"My question is whether I should continue to fund my Roth IRA or invest the available money in my regular brokerage account. I ask this question because I'd like to include current interest/dividends as part of my overall salary -- when I move. Obviously, I can't touch the IRA money until I'm 59� (minus contributions)."

" . Roth IRA contributions are made with after-tax dollars, so the tax issues surrounding distributions made before age 59� relate to investment earnings and money held in the Roth IRA for less than five years. IRS Publication 590, Individual Retirement Arrangements, provides additional guidance on IRAs."

"Roth IRAs typically work best when you expect to be in a lower tax bracket when contributing to the account than when you take distributions from the account. I don't see the advantage of a taxable account because both the Roth IRA and the brokerage account are funded with after-tax dollars, but the taxable account has to pay income and capital gains taxes on the investment earnings and the investment earnings in the Roth IRA can be tax-free in retirement. First make eligible contributions to
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