d, have about $100,000 left for retirement, come from a family of long livers and know this is not nearlet ,000 in social securit spend $3,000. would it be wise for reverse mortgage now, not touch the money, let it grow, or would it be better to wait until i use up the $100,000 and then get a reverse mortgage? >> a lot of seniors in this position. and at this rate, it looks like she is at $2,000 a month that she has got cash flow needs that she inot meeting. she isgoing to be out o money in about four years. there are a lot of things to consider. i don't usually think reverse mortgages are the best way to go. usually should be a last so. but if you'r completely out of money and plan to stay in your home for the rest of your life and don't intend to leave any money toour hei, something you need to consider. you need a certified financial planner to help you, a mortgage advisor or a housing counsor, and you can get those through the national association of personal financi advisors or the financial planning association, awell as hud, get a counselor who c vice you whether or not this is th