I'm not happy with what my retirement accounts are doing. I'm considering a change. I am considering taking out a large chunk of my deferred retirement and buying a parcel of land and building a barndeminium on it, all paid for in cash, free and clear. My current mortgage is the only real bill I have other than normal living expanses. Once the new place is established, I'll put the mortgaged place on the market. I have well over 50% equity and could walk away today with $60-70K in my pocket that I could invest in the new place. Before I pull the trigger, I know I need to discuss with a tax pro and figure out the best plan for taxes and penalties and eventually capital gains taxes. My fear is in 10 years not having anything.