That's probably why he suggested a roth. $7k might be too much, but you can withdraw your own contributions from a roth without penalty. This makes it a great w

That's probably why he suggested a roth. $7k might be too much, but you can withdraw your own contributions from a roth without penalty. This makes it a great way to save for people early in their career, especially if they are in lower tax brackets that wouldn't benefit greatly from traditional ira deductions anyway. TB