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Greetings, Tktrimbath, and welcome. You wrote:

<<Maybe I haven't searched enough but,is there a discussion or advice on when to start using these investments that we are accumulating? I see lots of advice on how to build it up and very little discussion of the details of how to use that money. I would like to hear what people have to say about selling stocks off bit by bit compared to other strategies. And if selling is the best way to go, what is a good criteria for picking which ones to sell.>>

If you're talking about using that stash in retirement, it comes up from time to time. Mostly the discussion is centered on how to make it all last. For a discussion of those issues, see the 23 posts on this board starting at http://boards.fool.com/registered/Message.asp?id=1040013000079000&sort=postdate . Also, you may want to look over the posts on the Retired Fools board in the Fools of A Feather folder.

Regards….Pixy
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