Once you've reached retirementand start taking money out of the nestegg that you've built up over the years,how long will it last? There's a usefultool from T. Rowe Price (www.troweprice.com) that will calculate howmuch you can withdraw and still havemoney in the kitty for the rest of yourlife. If the calculator says you'll outliveyour cash, you have a couple ofoptions, like taking out less or investingfor more growth. The latter choiceis risky, though; the most effectiveoption is to work longer, which fattensyour retirement fund as it shortensyour retirement. Start withdrawalsfrom taxable accounts, and then switchto your IRAs. Save any money in RothIRAs for last.