<prompt> Human: So in a thread a while back, someone commented that if they have their 3612 whichever month emergency fun in their ROTH, they wont bother with that in their personal savings, as apparently uou can withdraw it and only pay penalties on earnings, not contributions. My company policy does not allow with drawals through JP Morgan. Is it the case I would have to do a hardship withdrawal if I did this?And whats the general feeling on this? It seems like it makes sense, if you are saving just in an investment account instead of a savings account, its still your savings to be used as an emergency fund yes?  <response>: Your emergency fund is insurance, not an investment. Use your investment accounts like IRAs for investments, and use something like a HYSA for your emergency fund. 