K****D
发帖数: 30533 | 1 Level 1:
Cash Roth IRA contributions out, at any time for any purpose. No need to
pay back. No tax no penalty no fee no interest.
Level 2:
Cash Roth IRA out completely, at any time for any purpose, and pay back
every penny within 60 calendar days. No tax no penalty no fee no interest.
So if your Roth account is reasonable large enough, why do you need
other emergency cash at all (including BT money)? | t***s
发帖数: 4666 | 2 for mortgage purposes, the lenders do count retirement accounts as
cash reserve.
【在 K****D 的大作中提到】
: Level 1:
: Cash Roth IRA contributions out, at any time for any purpose. No need to
: pay back. No tax no penalty no fee no interest.
: Level 2:
: Cash Roth IRA out completely, at any time for any purpose, and pay back
: every penny within 60 calendar days. No tax no penalty no fee no interest.
: So if your Roth account is reasonable large enough, why do you need
: other emergency cash at all (including BT money)?
| W***i
发帖数: 833 | 3 能做到level 1有contribution的，说明多少手头上比较宽裕。
level 2的话，60天太短了吧。
另外，可以这样么：借60天，第61天还，然后第62天再借出来另外60天?
【在 K****D 的大作中提到】
: Level 1:
: Cash Roth IRA contributions out, at any time for any purpose. No need to
: pay back. No tax no penalty no fee no interest.
: Level 2:
: Cash Roth IRA out completely, at any time for any purpose, and pay back
: every penny within 60 calendar days. No tax no penalty no fee no interest.
: So if your Roth account is reasonable large enough, why do you need
: other emergency cash at all (including BT money)?
| K****D
发帖数: 30533 | 4 No, only once allowed in 12 months.
【在 W***i 的大作中提到】
: 能做到level 1有contribution的，说明多少手头上比较宽裕。
: level 2的话，60天太短了吧。
: 另外，可以这样么：借60天，第61天还，然后第62天再借出来另外60天?
| n******n
发帖数: 12088 | 5 如果放了五千本金，增值到六千，现在要拿出来五千，算四千本金和一千收益，还是五
千本金？
【在 K****D 的大作中提到】
: Level 1:
: Cash Roth IRA contributions out, at any time for any purpose. No need to
: pay back. No tax no penalty no fee no interest.
: Level 2:
: Cash Roth IRA out completely, at any time for any purpose, and pay back
: every penny within 60 calendar days. No tax no penalty no fee no interest.
: So if your Roth account is reasonable large enough, why do you need
: other emergency cash at all (including BT money)?
| K****D
发帖数: 30533 | 6 The order:
Contributions, then conversions, then earnings.
【在 n******n 的大作中提到】
: 如果放了五千本金，增值到六千，现在要拿出来五千，算四千本金和一千收益，还是五
: 千本金？
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