re: What's a "normal" amount of money for a late 20s person to have in savings?

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Then withdraw from the Roth

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You don't mean Roth IRA, do you? I thought you had to wait 5 years before you could withdraw without penalty? Or is that just on gains?

ETA: Checked again, it's just on earnings. Any contribution amount can be withdrawn tax/penalty free. I should have already known this, but anyway.