They told them that this investment will change their life and that money in a retirement account or 401k is worthless.

We are a military family active duty to reserve and now looking to enter retirement years, so we see how beneficial it is to be close to the base and those amenities.

I still have many years before I can retire and withdraw penalty free, but I was investigating and saw I’m able to take out a loan against my savings and could use it for a home purchase.This gives me a bit a cash to play with but wanted to check if others have considered the same?

My wife and I invest with cash and/or with our retirement accounts. 

My wife and I are educating ourselves and working on our investment strategy to help her retire from nursing and spend more time with our kiddos. 

It's huge and it wipes out my cash flow to the point where I am barely CF positive.Note: I ended up not accounting for siding costs since the siding is newish and most likely I will have sold the property or have retired by the time it needs updating.

If the goal is asset protection utilize bankruptcy protected assets such as retirement accounts, homesteads, private annuities, etc; an asset protection “plan” that utilizes limited partnerships, foreign asset trusts based in Nevis or the Isle of Mann, or renounce your American citizen ship and move assets to Lichtenstein.  

And I of course am looking to attract quality tenants and get the experience of land lording where I can eventually walk away from my w2 before typical retirement age (I’m 31).

My fiance' and I are in our early 50's and looking to build our retirement.

Paying down both will accelerate pay off for both to be in line for my retirement timing.