You can withdraw your contributions to your Roth at any time without a tax penalty. Its investment income you cannot withdraw without taking a hit.

Part of my divorce decree states that I am on the hook for providing each of my 2 kids 5k/year towards college( 4 years). I sat down and and did the math that this meant I needed to start putting away $250 a month immediately for this to not impact me. Fresh out of the divorce I wasn't putting anything away towards retirement. I put that 3k/year in my Roth knowing I could accumulate some retirement $ assuming investments paid off. I'm in a better place financially now and will likely max my Roth this year. I'll start looking for another place to put that money. Ideally I may be able to put away the entire amount I need for their college without having to touch the Roth, but its still there if I need it.
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Minor point of clarification that 529s are actually fairly flexible on what "college" means in this case. Trade schools, votechs, community colleges, or even lifelong learning courses are eligible, as well as the supplies needed to support that education (e.g., books). So if you think your kid will do ANY sort of post-secondary education, it will likely work.

But that said, it would obviously not be efficient to put $100k into a 529 if your kid ends up doing an associate degree at a CC for $15k instead.

Finally, to the topic of Roth vs. 529, I'd generally agree that the Roth is probably the main priority in the case of someone who can withdraw at the time the college funds would be needed. However, look into your own state's 529s. Some of them offer extra benefits. Colorado, for example, lets you deduct state taxes from contributions, which can make it slightly more attractive in certain situations.
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I'm planning to retire at the end of 2023 - I'll be 56 years old. I'd like the market to keep humming the next 2+ years in order to have 'no ragrets'. So yeah, BOOO HOO for me. :-)
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Sounds like some of the market's woes (stock and crypto) are tied to the impending collapse of these Chinese real estate companies.
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I’d definitely be pretty conservative if I was that close to retirement.
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Not in my nature, generally speaking, but I'll most likely be pulling some things back for sure.
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Sooooo..... YOLO the whole thing on AMC Calls? It's at 171 - BUYING OPPORTUNITY :-)
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ILUS up another 33.8% Now up 668% on my initial investment.

In hindsight I wish I'd sold everything I owned and borrowed another 10 million dollars to invest it all in this one play. Oh well. maybe next time.
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Jesus.

Exit Strategy?
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WHY THE HELL WOULD I WANT TO EXIT!
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I just like to realize profits :-)
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LOL, you know whats funny as hell??? I'm up quite a bit so today it went to .39 so I said I'm gonna be smart and put a stop loss on just enough shares to cover my basis at .35 in case it tanks. Within the HOUR it dropped straight down to .35 took me out and went straight back to .38 :-). I just shook my head as this has happened 100 times before. I bought back the shares I lost plus 2000 more at .38. Basically threw $300 in the trash.


Lew would be proud of me for having a plan though!
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LOL

Oh you.

I'd have just been pleased with the cash.
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Just be careful. My parents lost 50%+ of their retirement, within 3-4 years of retirement in 2008 because people thought being exposed to a high percentage of equities was "always safe."

I wouldn't recommend more than 50% exposure to stocks within a few years of retirement.
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if I can get LCID and AMC to meet at 30 I'm switching some positions. :-)
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