I use a Roth IRA for most of my long-term savings, can withdraw contributions very quickly with no penalty whatsoever. My investments are riskier but even if t

I use a Roth IRA for most of my long-term savings, can withdraw contributions very quickly with no penalty whatsoever. My investments are riskier but even if they tank I can still afford a $2000 type emergency. To me this makes more sense than wasting savings in a low-yield non tax-advantaged account.