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Author: Hohum777 Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 124141  
Subject: Re: Take money from Date: 7/20/2011 12:19 AM
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I don't think it's wise to get in the habit of tapping any retirement assets except in the case of dire financial straits like avoiding bankruptcy. It's best to leave them alone and treat them as untouchable.

You may be paying some taxes on a stock appreciation if you sell some stock, but you are giving up on decades of tax free growth of that $300 if you pull it from your Roth.


Great points.

Exactly the direction I was heading when I asked the OP to define "better" and suggesting too
little info was provided. If the Roth account had, say 900K and the OP was 60-65 years old, that
might be a scenario where a Roth withdrawal might make sense. Extreme case perhaps, but that's the
point. As you (and others) point out, the Roth ac should really not be tapped for non-emergency reasons.
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