re: Roth IRA vs Traditional Savings Account

quote:

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I can literally make a couple of clicks from a computer or phone, and have money from my "savings" into my checking if shite was to hit the fan or I needed it. Pretty sure you could not do that from a Roth.

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Actually, you can provided your Roth is with the same institution as your checking account. Or at least I can at Schwab.

That said, for small stuff (like a couple hundred to fix my car, etc.) I just put it on my credit card and pay it off at the end of the month. If I'm constantly tapping an emergency fund it probably means I'm using it for more than real emergencies.

But yes, I go with the Roth >>> savings account. In the early years the tax advantage doesn't much matter but it does build with time.