Why Roth IRAs rock!
One of the most beatiful things about a Roth IRA is that you can remove the contributions you make at anytime without tax penalty. True you already pay tax on that money when you contribute. But, you really can’t beat that advantage.
Also, watch out for the 2010 loophole. If you make too much to qualify for a Roth IRA, you can contribute to a traditional IRA and then in 2010 (only) you can convert it to a Roth. It’s nice because you will all have access to that money.