<prompt> Human: Im looking at opening a Roth IRA and using it for a retirement account and emergency money account. Its my understanding I can pull money out of a Roth IRA that I have contributed but not the earnings.I currently have pension that I contribute 5 of my wages into and also a 457b account I do 10 that I plan on increasing as I get raises until I hit the max contribution I should hit this in about three years with increasing the contributions 4 a year coinciding with my scheduled 5 pay increases.Im currently 34 and not the best saver but also want to retire earlier than later. My pension will pay 60 of my wage if I stay with it for 30 years and I based on modest growth assumptions with my 457b I should be able to retire with a similar income so the Roth IRA isnt wont be the most important retirement investment.My question is simply is using a Roth IRA as an emergency savings account a good idea? What are some good places to start an IRA? Any other advice?  <response>: My question is simply is using a Roth IRA as an emergency savings account a good idea?Not really. What are some good places to start an IRA? Any other advice?The FAQ entry on IRAs will probably be helpful to you. 