Orangeblood.<<Maybe before, but not now. With the new rules, I am beginning to look more and more at the Roth as a type of savings account (I would only be using money not earmarked for retirement). The ability to withdraw the contributions without penalty... on top of letting the earnings grow tax free... very tempting.>>I'm afraid you are right, and many will think this way. Sad that because it is NOT why the vehicle was established and will help contribute to its early demise IMHO.Regards….Pixy
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