My far from humble opinion is that IRAs of all stripes are for retirement regardless of what shenanigans the law may allow. "Can" doesn't mean "should."And the OP is not saying he is planning on tapping his Roth for any reason other than an emergency. In an emergency, it is nice to know that someone "can" do something. In fact knowing that you "can" remove funds from the Roth, even if perhaps you "should" not, may be what encourages you to put the funds in there at such an early age. IPfully funding the kids' Roths from paycheck #1
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