Working longer is the best solution but jobs are not necessarily easy to find-especially for those nearing retirement. A home equity line of credit is another option should the market face more challenges. The line could be accessed in increments as needed.

Also, for those under age 59 1/2,  the CARES Act allows withdrawal of up to $100,000 In retirement assets in 2020 without incurring the 10% penalty.

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