 and taking the IRA will not leave me broke. I need to know, am I going to be taxed on the amount I withdraw? Wait a minute, I thought you said you have no debt. Now we're paying off a car, so I guess you have a car loan. Okay, that's one thing. Presuming that that money in the Roth IRA has been there for five years, you can certainly withdraw it, but I would really like to think about maybe leaving that Roth IRA alone, because yes, you've already paid taxes on it, and there would not be a tax event,