<prompt> Human: Im 23, and I have a Roth account with Vanguard I dont plan on contributing anymore too. I plan on starting a TSP IRA account which will soon have a match program. My Vanguard account, I put in 5,500 in Feb 16 and its now sitting at about 6,500. Ive been thinking of taking it out and putting it towards some student loans my wife brought with her 28k left, paying 2.2k a month. Should I just let it sit for the next 40 years? I also thought about leaving it until I make a home purchase and pulling it for that, but its looking like it could be 20 years until I own my first home, and the withdrawal limit is 10k? Whats the best call here?  <response>: Best call as I think you know is let it sit 40 years. 