Keep an emergency fund. Unexpected events can happen at any time, and having a stash you can draw from during a crisis will bring peace of mind. “If you face an emergency without [an emergency fund], you’ll need to tap into your nest egg,” says Nahum Daniels, a financial planner and author of “Retire Reset!: What You Need to Know and Your Financial Advisor May Not Be Telling You.” This could drain your retirement funds much faster than planned. However, if you do have to dip into your long-term savings, talk to your financial advisor to evaluate your options. “Start by withdrawing from the account that has the lowest growth and that will have the least tax impact,” Daniels says.