No. of Recommendations: 1
while he can't borrow from the Roth, after a certain time can't he withdraw his deposits without penalty?

Contributions can be withdrawn at any time without tax or penalty. Didn't you notice that I didn't address tax aspects anywhere? 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."

Rule Your Retirement Home Fool
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