I am concerned that OP’s first post had
3!!! separate references to withdrawing the contributions early. ***THREE***!!!
That sounds like the primary motivation for opening the Roth IRAs. While the withdrawals can be made, they shouldn’t be considered as ready cash. They should be considered and treated as retirement money only.
If you start withdrawing them for anything else, you likely didn’t do appropriate planning to have a ready-and-waiting emergency funds account. So also set up an account for emergency expenses to cover 6-12 months of living expenses. Once you withdraw from the Roth, you can never replace that money in the Roth but you can re-build an emergency fund account.
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