Well, maybe do not pull all 100K at once. Plan to take what you need once a year or twice a year.
Budget your basics and absolutes (mortgage, bills (heat, phone-dsl, water - what ever they are); food, some activities for the kids). Pay your mortgage at the beginning of the month and the bills, when they are due. Put 20 dollars in your pocket and dont spend it, behave like it has to last until.... Don't spend anything else until it is absolutely necessary.
If you ever put money into a Roth you can withdraw the cost basis without penalty. You may also transfer retirement money to a Roth account and then maybe withdraw it.
And then, I think you will find you do not need half the things you typically spend money on. (clothes, shoes, eating out, - make do with what you have until they are with holes or grown out of).
It can be done, and it can be eye opening to how much is spent just because you have the money.
(I recently was downsized from 5 days to one day a week which was a huge pay cut, I lived carefully before, had 30% money going to savings and still had extra money so little daily or weekend extras were not a big deal. ... now I'm on a very tight budget, but each month my mortgage and bills are paid, food on the table and kids in a couple activities and we are OK.) I also scour craigslist once in a while for any day jobs that may interest me, in order to make some pocket money.
Edited by SunRise - 10/7/13 at 12:04pm