Tax Deferred Accounts - What Serves My Interests?

Good financial planning should allow a lot of flexibility. Don't do something if the only reason for doing it is what you're going to get forty years from now, because that's too uncertain. I encourage people to use rothi rais as a place to put their emergency funds. And so these accounts are not sacro sant. You just look at them and say, what can i do now? What's the best solution for me right now?