Support Marketplace  Back to personal finance basics  Personal
finance.  When is the best time to sell a home? How much should
you take out of a portfolio for living expenses? What's more
pressing--saving for college or funding a retirement account?
CBS News business analyst Jill Schlesinger answered those
questions during our listener letter segment.   Sara from New
London, New Hampshire asked about that old rule of thumb for
retirement saving to put away enough to replace 80 percent of
your yearly income: is that before taxes or after?  Schlesinger
said a different rule would be a better guide for knowing how
much to save: "If you know how much money you're spending right
now," she said, "You can say, 'Hey we'll probably spend about
that much money when we retire.'"  Sara also mentioned that she
has two kids getting ready to head to college, and wanted to
know whether it was a good idea to dip into retirement savings
to help pay for that. She said there is about enough in her and
her husband's savings to r