text:  We got to decouple this a little bit because there is a Roth IRA that you set up on your own and then there's a Roth 401k that you set up through your employer. First, let me put the first disclaimer here. This is why it's so important to have an emergency fund saved up and make sure that that's part of your financial plan. You want to make sure you have that three to six months in the bank because you really don't want to be tapping into your retirement accounts for emergencies and things like that.