<prompt> Human: Ill finally have about 5500 in my emergency fund soon! Since I just graduated college and I am paying back loans, Im not saving as much as others on PF for retirement - just contributing to the work 401k until the match. I just wanted to run this idea by you guys. I want to create a ROTH IRA and use it to house my E-fund, if I do have an emergency I can always use my CC in the meantime until I withdraw from IRA, not to mention I have a bluebird account so my CC can convert to cash.This gives me a great return, and no restrictions on withdrawals from my contributions, dont see any downsides.  <response>: Nitpicking but...Roth doesnt need to be in all caps. It isnt an acronym, its named after a guy. 