<prompt> Human: Hello,My wife and I are doing well financially. We have no kids, but are hoping to have some in the next few years. Im 30, shes 34. We are also trying to move from the midwest to the northeast, some time in the next 1-3 years, and ideally well be buying land and having a house built. My wife doesnt work currently, but is studying independently to break into a new field.Heres a snapshot of our current financial situation:- 75k saved for the down payment on new house so far- 9k saved for emergency fund, actively adding to it - This is equivalent to a bit over 3 months of minimum bills wed have to pay - Id like to get this to 6 months ASAP, which is why I focus on it during budget day- 10k set aside for home repairs and maintenance on the current house - EDIT: This will probably be spent soon, as there are a number of repairs weve put off and would have to happen before we sold anyway- 28k in my 401k meeting 5 employer match. This is our only retirement account currently.- Only debt is our mortgage, which has a balance around 48k currentlyGiven that I will probably need access to the money I open the IRAs with in the next 1-3 years, is it worth it for me to open these accounts now? Or should I wait until after were settled in the new area? My thought with doing it now if I understand is that withdrawals from your own contributions arent taxed for Roth IRAs, but my concern comes from needing the money soon enough that I could potentially lose some principle given a market downturn. Also, how much would you put in? My idea was to take whatever I decided to invest out of the 75k I have saved for the house.Thanks!  <response>: Being realistic here... Id budget for IVF treatment if you are planning on starting a family when shes at or near 40. Especially if you want more than one child. 