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By "use it" I meant pull out some of the money that's been contributed to the Roth IRA to pay for some education expenses. As you say it depends on how well situated we are for retirement.

Your tuition, or for a kid? Do not take funds from your Roth to fund a Coverdell. When you do the Fafsa for financial aid, the Roth funds will not count as assets, but you will be expected to use a significant portion of the Coverdell towards the tuition payment and will qualify for less aid. You should be able to pull money out of the Roth at that time, contributions if not earnings, assuming it is 5+ years down the road.

YMMV. I just paid a serious amount of money today for Eldest's first semester, so I'm feeling a bit brain dead and you will want to check my facts.

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