re: Question about a Roth account

We're looking at paying only half of the loans (30k+) that range between 7.5% and 9%. It would take about 5 years to pay off at the rate we pay monthly. I'm not planning to pull the money out of the Roth, I just want to know that the contributions are available for emergencies since I'll be cutting down my savings significantly to pay this off.

I have mine through Merril Lynch and when I asked them, they said I can touch it after 5 years. Looking to get away from them anyway due to not having any advisors in my area, but I thought it was bad info. I cashed out a good bit of money in another fund and you could tell the guy didn't care to help me once he realized I was taking all my money out.