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partial_accumen ,

You’re trolling me right? Your post is sarcasm?

I mean, Roth is just a post tax savings account. It’s not really meant for relying upon in retirement.

Of course its a retirement account. The word “retirement” is in the name of the account: Roth IRA (Individual Retirement Account).

It’s usually used to save for things like cars or a down payment for a house.

You can withdraw contributions to a Roth IRA, yes, and a house down payment isn’t a bad use for it, but that’s it really. A house is an appreciating asset. It will likely go up in value over time. You shouldn’t be buying cars or anything else with your Roth IRA funds. A car is a depreciating asset. It will only go down in value over time.

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.

You can and should invest the funds inside your Roth IRA in stable securities. Boring stuff like “Total Market funds” that has a regular appreciable return. This isn’t where you invest in Gamestop, AMC, or any other volatile stocks.

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