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Started By
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re: Hold off on starting a Roth?
Posted on 1/22/16 at 11:04 am to Janky
Posted on 1/22/16 at 11:04 am to Janky
quote:
In time for what?
LINK
I've never been a fan of people "banking" on using the Roth for an emergency fund. Seems like a waste to me. Like I said, if shite hits the fan, you got to do what you got to do. But don't plan on it.
1
Posted on 1/22/16 at 11:15 am to TigerDeBaiter
quote:
I've never been a fan of people "banking" on using the Roth for an emergency fund.
I disagree.
If I have to stretch to hit my annual roth max, then I'm going to put it there, even if it sits on the sideline. After April 15th, I can't go back and max it out and sitting in my savings account provides me virtually zero future value. How you manage your money within the roth is obviously up for discussion when using it as an emergency fund, but saying it's a "waste", is short-sighted IMO.
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