Anyone have a Roth IRA?
I am considering starting one. I want more flexibility as I grow my retirement. Roth seems like a good way to go because I pay as I go on taxes, can withdraw without penalties (which I cannot do with traditional IRAs, my 403b, or CDs), and I might actually use the money for something else if needed. It's really supposed to be my 3-6 months of cash flow if I lose my job. But why not save it this way, instead? If I never need it, great! Yes, I am really behind, but it has been a tough few years recently. I've survived! But it's time to thrive :)
Anyone else have one? Do you love it loads? Wish you'd done things differently? I have an advisor with whom I'll meet, just trying to load up on questions.
What's your personal experience if you have any?