Downsizing. Selling your home usually isn’t on the home equity harvest techniques list. But buying a less expensive home can a generate a sizeable amount of cash that was previously inaccessible. And if the cash savings of buying a home for less money is invested, it makes a lot of sense. If retiring, using the sales proceeds to buy the replacement home with cash will eliminate loan payments that can be an obstacle to stopping work. Being free from payments on a home loan will free up cash for retirement needs and reduce withdrawals from your retirement accounts. Next in Part 2: Refinancing.