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If she is going to withdraw the funds in the near future, what is the use of contributing to a ROTH?

I was thinking mainly of the flexibility that this account would offer -- and the (probably) higher return than could be made by parking the money in a savings account. By flexibility I mean she could take the funds out in three years, say, if she needed them. Or she could let them ride for a dozen or so years if she didn't need them. (It's not that we intend to use the funds quickly, but we have the possibility.)

culcha
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