Would you ever treat a Roth IRA like secondary emergency/savings? I was wondering about the theory of this for an average earner. I trickled into my Roth for a while and now I’ve got more average income and I’m going to sometime switch to more 401k and HSA savings in the 22% bracket. But does anyone use the Roth to have $X to simply avoid tax? If I know I want a new car in ten years… why not save it in a Rot…