<prompt> Human: Say you have a family member that is not interested in contributing to their Roth IRA.Would there be any implications if you wanted to use their Roth IRA with their permission for yourself? In particular, would there be any issues withdrawing the money back into your own account?edit: My Roth IRA is already maxed this person is much closer to meeting the age requirement to withdraw earnings without penalties  <response>: The money is 100 legally theirs. 