<prompt> Human: According to the Trad IRA Roth 401k Matrix you can withdraw the principal of your Roth IRA contributions without penalty.So would it be wise to store away half or more of my emergency fund in the Roth IRA to earn more interest than my savings account?I will soon have 12 months worth of emergency funds saved up. If I moved 5.5k this year, and 5.5k in January, that would be roughly 5 months of my emergency fund.  <response>: Your post indicates you have a 10-month emergency fund which might be more than you need anyway; and if you rephrased your question as, I have a 6 month emergency fund, should I put 11k in a Roth IRA as soon as I can? the answer is probably Sure thats a good idea...That said, one thing I regret about my use of Roth IRAs in the past is that I didnt max it out every year and now I cant just double my contributions bc there is the annual limit. So putting, say, half your emergency fund in a Roth in order to more quickly expand it might be a good idea if you can meet some assumptions:1 You dont have any reason to need more than 50 of your emergency fund in under X say 10 business days.2 Youre 100 sure you could liquidate that part of your Roth in under X again say 10 business days.3 That part of your Roth is invested in safe enough funds that market volatility doesnt eat eat up that fund basically it should be as safe as a savings accountI might be wrong, and Im sure many will disagree with this post, but this does give you a nice way to get an early padding on your Roth IRA contributions. Then 5 or 10 years later, if your income is higher and youre feeling limited by the Roth IRA contribution limit say its 6k and you wanted to contribute 10k, you can instead contribute 6k, save 4k in something else, and then shift 4k of your Roth fund into something more appropriate for retirement i.e. not emergency fund safe, perhaps an index fund. 