Now you could save for retirement in a traditional brokerage account -- one that doesn't offer any tax breaks but also doesn't come with any restrictions. The reason for this is that the IRS wants IRAs to function as retirement plans, so it wants you to leave your money alone until you've reached what can be considered a reasonable retirement age. While you do have to commit to locking your money up until age 59 1/2, the upside is getting to enjoy a host of tax breaks.
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