re: Roth IRA vs Traditional Savings Account

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vehicle repairs as an example.

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If you have a Goodyear card used at one of their stores, they'll usually do a 6 month, 9 month, or 12 month no interest offer depending on how much you spend. Could also use a balance transfer offer from a credit card for it. paying a simple one-time 3% or 5% fee is much cheaper than paying the 10% tax penalty on withdrawal of a traditional IRA + 25% federal and 6% LA income tax. Or paying penalties on a Roth IRA withdrawn in the 5 year window.

ETA: if you withdraw from an IRA, you lose compounding time too if you plan to replenish it.