Use up retirement account for REI or non-retirement account first?

[Kevin S.]

Hello BP members,

Have any of you been there and done that?  Left the market, completely or partially, and had to choose between using funds from either accounts? Which did you choose to dip in first and why?  Looking back would you do it differently/change the sequence of which account to draw from first?  I know the question doesn't involve tax bracket, age etc.  I want to hear your experience/journey.  Thanks for sharing.