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Some time in the next couple of years I plan on picking up my MBA and some time within a couple of years of that I plan on buying my first house (wishful thinking, I know...).

Anyhow I was wondering about the best approaches for socking money away for something like this, specifically looking into a Roth IRA since it has provisions for wihtdrawals for educational costs and first-time homebuyer costs.

The problem with the MBA is that I would begin pursuing this (and would also likely graduate before the 5 year year minimum). But I could still get away with only paying taxes on the capital gains, right (i.e. and not have to pay the 10% additional penalty)? Couldn't I also work it to my advantage by withdrawing while I'm enrolled and therefore not earning my pre-MBA (or worse-yet, post-MBA) salary?

Or is there a better vehicle--tax-wise--for sticking money in the mattress for the short term, with these two major expenses in mind?
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