Should You Tap Retirement Savings to Fund College? There are three things to consider before dipping into retirement savings to pay for college. Share | Related Content 18 Years’ Worth of Days The average retirement lasts for 18 years, with many lasting even longer. Will you fill your post-retirement days with purpose? Saving Early & Letting Time Work For You The earlier you start pursuing financial goals, the better your outcome may be. Saving for Retirement This calculator can help you estimate how much you may need to save for retirement.