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Really no emergency event. I am 38 now and plan on retiring early (45). Due to wise advice and investments I got at an early age (22) my IRA portfolio is at a point I feel comfortable for my retirement from age 60-? but not so much from 45-60. My plan for the next 7 years was to just pour all of my investing money into taxable accounts that I can tap when I retire at 45 but now I realize that I could at least divert the first $5k every year into a Roth IRA and let the investment grow tax free for those 7 years but still be able to tap the contributions when I want for that period of 45-60. Just wanted to make sure I had all of my facts before doing so.

Glad to hear you started IRA investing early. Unless you've already contributed for this year, you actually have eight years of Roth contributions that gets to compound. Is 7/8 years of Roth funding + taxable accounts going to cover 15/16 years of living expenses, etc.?

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