Rob | Everyday Finance
Region: US
Monday 17 August 2026 18:50:39 GMT
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Lyle Rourke :
well I was. the logic the other creator gave was a 4% hysa is really 3% growth after tax whereas a money market in a Roth would be the same 4% untaxed what if you open 2 Roth's and contribute your emergency amount into it and then contribute to the other Roth after? since I think it is correct to fund your emergency fund first
2026-08-17 23:33:26
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Kalei Saves :
I personally wouldn’t use a Roth IRA as my emergency fund. Instead I’d use a HYSA.
2026-08-18 16:42:01
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Jeneba Barrie, Esq. :
thats crazy..wow
2026-08-17 20:42:31
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Denae :
Oh noooo🙅🏼♀️can’t believe people are recommending that
2026-08-17 19:31:18
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kreestoff :
I guess it would depend on your retirement planning situation? I would never touch money I'm explicitly putting into my Roth for retirement until retirement. But if you're not maxing out the annual limit then maybe putting in extra that you'd normally set aside as general savings and designating it as "emergency" isnt as harmful. but ultimately you should have a true emergency fund in a savings account or some other non retirement account that takes the first hit in an emergency before diving into their suggested strategy.
2026-08-19 17:05:34
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Jennifer P Egbert :
I’m 54 and am pretty resigned to the idea of not really ever retiring even tho I have a very high income
2026-08-18 04:04:12
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Jacob :
My roth ira is maxed for the year. I want to open a brokerage account what should I look at to invest in?
2026-08-19 12:13:32
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M :
The only time the emergency fund inside a Roth IRA makes sense is if you're like right on the April 15th deadline and you can't max it out. You can place some of your emergency fund in the Roth IRA and build up back your emergency fund. At worst if an emergency happens you can withdraw that money that wouldn't have been invested otherwise, bets case scenario you rebuild your emergency fund and managed to add more to your Roth IRA.
2026-08-22 21:02:38
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unknown :
Do you teach courses?
2026-08-18 13:33:05
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Gio :
If you return it within 60 days, you can do so penalty free and return 100% of your contributions once every 12 months.
2026-08-18 05:05:44
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SuzyQue323 :
the idea that I could take the money out if I really needed it was what got me to start a Roth ira.
2026-08-21 14:21:17
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isosoactivee :
So I’m 26, should I focus on my Roth IRA, 401k and emergency, like shy away from investments or just do all 4???
2026-08-17 23:13:12
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Joshua | Fatherhood Finances :
Well said!
2026-08-18 01:50:53
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8bitknitz :
Hello, im a teacher and can make a 403b account. Should I do that instead of a Roth IRA or in addition to one? Thank you.
2026-08-21 11:09:36
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mariahakinbi :
Is that a prime credit card!!
2026-08-18 04:08:51
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Raining :
You are misunderstanding a few things here, if you would like to educate yourself there is a boglehead wiki entry about this.
2026-08-20 05:36:08
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Shayla Dawson wealthCoach🎓💰 :
@alex gonzález Great work! I truly appreciate the extra effort you put in this week
2026-08-18 02:00:52
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