<prompt> Human: Hi all,In July of 2016 before I knew much about personal finance, my brother convinced me to open a Roth IRA. I invested 1000 thinking Id contribute a little here and there and, well, I didnt. Since then its grown about 250.Im currently 23 with a job paying 64kyear. I contribute up to the company match in my 401k, and I have around 50k in student loan debt. Im still working on building up my emergency fund, so what are the groups thoughts on pulling that initial 1000 contribution from my Roth IRA and putting it into my emergency fund since I havent been contributing to it anyway?  <response>: Pulling money from a retirement account is always a last resort, even if you can do it without additional taxes or penalties. Unless youre in desperate need for that money immediately, just leave it where it is and use some of your monthly savings to build your emergency fund instead. 