<prompt> Human: A bit of background:Im in my 20s right now and I have a day job making about 50k a year. I also have support from sugar daddies, totaling anywhere from 5-10k per month. Any food and shopping expenses along with rent about 500-800 a month as I live with a roommate are taken care of by my SDs, so I usually just stash the 5-10k in a safe as mattress money. I plan on using a roth ira for my day job, and using the rest of my day job savings to save up for a down payment on an apartment in NYC. My question is, since my rent is fairly cheap and my expenses are pretty much covered, how long might it take to save up 200k for down payment? And is there any law against taking all of my roth ira out at once when I reach retirement age? Thanks in advance!  <response>: Okay well if you save 10k a month and you want 200k then that will take 20 months. If you save 5k a month and you want 200k then that will take 40 months. Any amount between 5 and 10 will result in a time between 20 and 40.Dont make a 200k down payment based on an unsustainable income source, you risk finding yourself tied to a property you can no longer afford. Treat this money like a windfall while planning around your day job, invest it according to the pf windfall guides and reap the rewards later. 