Quote:
Originally Posted by tripods68
matt55
I would agree with you that 401k should be untouchable.
After tax contributions on the other hand wouldn't be one in my book since ROTH or IRA is considered optional in nature, except self employed. Anyone can participate with specific dollar amount or choose not to fund it. The fact that the law allows anyone to access their ROTH or IRA prior to age 59 1/2 is not enough.
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Roth's might be my one exception, but to use it for an EF is lazy, IMO. You can say you are not living check to check with a roth, but I would much rather pull 1 or 2k out of a high yield savings than my roth. I consider trad. IRA's as a 401k.