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As the real estate market began to slide three years ago, my wife and i also began to sense that we were losing our alternatives. As people lose the value they always believed they been on their homes, their options in their ability to qualify for loans begin to freeze up of course. The worst part for us was, that i were in the real estate business, and we had our incomes start seriously drop. We never imagined we'd have collection agencies calling, but call, they did. Globe end, we needed to pick one of two options - we could apply for bankruptcy, or there were to find an easier way to ditch all the retirement income planning we have ever done, and tap our retirement funds in some planned way.

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