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Is there a reason I shouldn't contribute my cash-cushion/emergency fund to my 5 year old ROTH IRA (invested in conservative cash-with-interest type fund of course)?

It looks like I'm able to withdraw contributed amounts without tax or penalty, since the account has been in existence for 5 years.

My money will be building tax-free earnings, and I'll have ready access to the contribution amount if needed. Am I missing something here?
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