re: How much money do you put in savings every paycheck?

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I would rather treat my ability to withdraw from a Roth as a "HOLY frick EVERYTHING IS GOING TO HELL IN MY LIFE" fund and use a taxable account fund for rainy days.

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It will make you think twice ... and that's kinda the point.

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Unless there is some way you can backdoor borrow and put back I don't know about. A Roth's biggest weakness is the limit you can put in.

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Put as much in as possible (TWSS). If something bad happens you can still get the money. If nothing does it's all good.