<prompt> Human: I am receiving 1250 from my tax refund and was wondering if I should put it into a Roth IRA or put it into stocks currently have 2250 in stocks. Any suggestions? Does having a Roth account allow me to quickly liquidate my funds or is it something that I cant touch for a long period of time? Im trying to be wise about this refund instead of blowing it off on things that I probably wont need. Thanks for the help!  <response>: Roth IRA is a type of account. Stocks are an asset class. Most people buy and own public stocks and store them in their IRAs. 