Is a savings account worth it anymore?
Rates are low and the amount of interest I earn is equal to a fancy latte at Starbucks every month. I have an Ally account. Then I recently found out that I could withdraw money that I put into my Roth IRA with no penalty too. It all got me thinking maybe move all my money to the Roth and only keep my checking account (pays 0.1%) for bills. Is this idea totally off? I don't foresee needing to dip into my money and I already have a portion in very conservative investments in my Roth, so I can tap into that portion fairly quickly if I needed it. Is this idea just off?