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Kit ,

I mean, Roth is just a post tax savings account. It’s not really meant for relying upon in retirement. It’s usually used to save for things like cars or a down payment for a house. Dumping it into stocks seems like a bad idea imo but you can withdraw at any time without penalty so you can spend it on whatever you want.

The nice thing about Roth is that the interest earned can be withdrawn at retirement age but it’s usually very little compared to a traditional IRA or 401k.

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