https://community.aarp.org/t5/Budget-Savings/IRA-Withdrawals/m-p/2562710#M5251 <P>&nbsp;I have been periodically skimming(on strong market days)&nbsp; from my ROTH and investing in T-Bills in order to have more (and less volatile )cash on hand for down the road. As they pay out interest, I put it my HYSA.&nbsp; I am just wondering if there is any real downside to this strategy?</P> Tue, 16 Jul 2024 16:15:03 GMT r764101s 2024-07-16T16:15:03Z https://community.aarp.org/t5/Budget-Savings/IRA-Withdrawals/m-p/2562710#M5251 <P>&nbsp;I have been periodically skimming(on strong market days)&nbsp; from my ROTH and investing in T-Bills in order to have more (and less volatile )cash on hand for down the road. As they pay out interest, I put it my HYSA.&nbsp; I am just wondering if there is any real downside to this strategy?</P> Tue, 16 Jul 2024 16:15:03 GMT https://community.aarp.org/t5/Budget-Savings/IRA-Withdrawals/m-p/2562710#M5251 r764101s 2024-07-16T16:15:03Z https://community.aarp.org/t5/Budget-Savings/IRA-Withdrawals/m-p/2562792#M5254 <P><a href="https://community.aarp.org/t5/user/viewprofilepage/user-id/15277092">@r764101s</a>&nbsp;Why are you withdrawing money from your Roth wherein earnings are tax free as long as you meet the age 59.5 and 5 year requirement? Based on the info you provided, it sounds like you are withdrawing money from a tax sheltered account to place the money in taxable investments.</P> Wed, 17 Jul 2024 13:27:52 GMT https://community.aarp.org/t5/Budget-Savings/IRA-Withdrawals/m-p/2562792#M5254 Tonster521 2024-07-17T13:27:52Z