<prompt> Human: Im an American in my early 30s and work overseas. Im debt free and will have about 40k in saving by December. My accountant friend in the US is suggesting putting 5,500 into a Roth IRA in December and then another 5,500 in January. Ill be teaching overseas for another couple of years at least. The money is taxed by the government here but untouched by Uncle Sam. Is a Roth the best place for it? Especially if Im thinking I might want to buy a house in 5 to 10 years. Thanks!  <response>: There is literally 0 risk in doing so as you can withdraw the money any time penalty free if you change your mind. If you sont change your mind, you have an account that is growing tax-free for retirement. Its good advice. Keep 6months expenses, put the 11k in a roth IRA, and put the rest in a regular brokerage account imo. 