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No. of Recommendations: 2

Only after you have had a ROTH for 5 years can you do that.

This is incorrect. Regular contributions CAN be taken out at any time, as Mark0Young stated. It's monies that have been CONVERTED from a TIRA that have the 5 year waiting period.

However, the OP should work toward the emergency fund first, especially if the job is unstable.

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