re: Question about a Roth account

quote:

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I just want to know that the contributions are available for emergencies

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Yes, they are. In fact, it's fairly common advice that you don't need a rainy day fund at all unless you're already maxing your Roth contributions each year.

For example, suppose you have $4K available to save. It is better to save all of it in a Roth than to set aside some for a rainy day fund b/c then you get tax-free earnings on all of it, and you can still get the principal if you have to.