The Impact of Home Ownership on Retirement. What role should home equity play in your retirement plans? We explain all. Your home is more than four walls and a roof. (And hopefully a floor.) For owners with significant equity in their homes, it can also be a money tree. For Fools, the trick is in deciding whether, when, and how to start harvesting that cash. Early in retirement? Later? Or never? That’s a personal decision. Your home is one of the biggest investments you’ll ever make, and an important symbol…