Thank you, Phil You make a good point. We are living beyond our means. Part of the budgetary problem is that I have two children with learning disabilities; they go to private school. The private school tuition is eating away at our budget, preventing us from having any emergency fund and causing us to live from paycheck to paycheck. I do want to have an emergency fund, so that is why I want to know if it's best to take (not borrow) money from a 403(b) or a Roth IRA.
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