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<p>[QUOTE=&quot;Cloudsweeper99, post: 1325991, member: 3011&quot;]Another thing to consider for people in their 20s is that 59.5 is a long way off.&nbsp; There is a probability that everyone will have to judge for themselves that the present law won&#039;t exist for another 4 decades, or that Roth funds will be folded into social security, or that tax policy will change, or that some other changes will be made that make it less favorable to lock up money where you can&#039;t get to it easily.&nbsp; It isn&#039;t always a good idea to put a large portion of your savings out of reach.[/QUOTE]</p><p><br /></p>

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