<prompt> Human: Hello,I quit my job early January to pursue something else. I will be technically a student again because I will be taking classes to try and get into this new field. Anyways, I worked for a bank, and I put some money away into a Roth IRA. Current Vested Account Balance Excluding Rollover: 6,282.00Current Rollover Balance: 0Life-Time to Date Roth Contributions: 5,311I am not 59.5 years of age or older :The mail I received in regards to my retirement account says you are not required to take a distribution at this time. Even if you defer your distribution until a later date, benefit payments from your account must begin by April 1st of the calendar year following the calendar year in which you attain age 70 12.So, Im not in urgent need of these funds. I have enough money saved up for living costs and costs for school. I would like to keep my Roth IRA and funds the same. I am aware of a 20 federal income tax and a 10 Federal excise tax.What I am wondering is if I can leave the funds as is. Will making no further contributions to this Roth acquire any penalties? Is it even worth keeping in a Roth and with my former employer?  <response>: Your IRA is your own, you dont have it with your employer. Thats why its called an Individual Retirement Account.Are you thinking of Roth contributions to a 401k? 