<prompt> Human: Before you say No - you should never get into retirement, hear me out.Im a 25 year old male with a near 4-year old home loan. We got an FHA loan for our house and paid the minimum 3.5 down payment, which requires that we pay a monthly Mortgage Insurance Premium MIP of about 140month. MIP is required on all FHA loans now that dont meet 80 LTV from the start - and stays for the duration of the whole loan. HOWEVER, for loans made before June 6, 2013 which includes my loan, after 5 years the MIP can be dropped once you have brought your loan down to 78 LTV. At the rate were paying, we wont be at that point at our 5 year mark it would be more like the 11 year mark probably.My question is, when we get to that 5 year mark, is it smarter to take out some money from my retirement account it would probably be around 15k to pay down our loan to 78 and then stop throwing away 140month extra on our monthly payment - or should I keep my retirement fully intact and keep paying MIP for 6 more years after our 5 year mark.For reference, our house was 153,000. The loan value was about 148,000 given that our down payment was 3.5. I currently have about 18k in retirement - all Roth accounts, so I can deduct up to my contribution amount without penalty and no taxes. Id say at least 15k of that are my own contributions, which would be what I could safely withdraw. I plan to have at least 3k or so added to that in the next year.I see it both ways. Removing money from my retirement is bad because it accrues, and I have at least 40 more years until I retire - which is a lot of time for money to accrue all of it is in growth funds. But taking money out to pay off part of our loan guarantees that we save an extra 140month by getting rid of MIP AND shave about 6 years off of our total loan and thus pay less interest and more principal with each future payment.Obviously, I cant do anything for another year February 2017, to be exact, but its been on my mind a lot. My dads default answer is Dont ever take money out of retirement, but I feel that this might be a smart option to consider.And I dont have any personal savings Id be willing to spend on this. It would be all, or at least 90, coming from roth retirement withdrawals.Thanks!  <response>: Unless doing so is the difference between eating versus not eating or sleeping in shelter versus not sleeping in shelter, you should not withdraw from your retirement accounts. Only in the most dire situations should you take actions that result in turning your 1 into .70. 