<prompt> Human: Im 28, no debt, no retirement accounts. I have some money Im going to invest 5500 and Im wondering if I should invest in an IRA first, even though I really doubt Im going to leave the money there for 30 years.EDIT: Lets just say for sake of argument that Ill definitely die when Im 50. Im just asking if theres any tax advantage to doing this.  <response>: the main thing id ask is why you have excess money to invest but arent saving for retirement at all? you need to look at your finances and make some better decisions as to how to allocate your excess income.that aside, no. A taxable account will almost certainly offer you better tax treatment than an IRA if you plan on withdrawing the funds early. 