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You can take money out of your Roth IRA anytime you want. However, you need to be careful how much you withdraw or you may get stuck with a penalty. In order to make qualified distributions in retirement, you must be at least 59Â½ years old, and at least five years must have passed since you first began contributing.
Why this matters: While certainly not something you should plan on, a Roth IRA is a great backup savings account in the case of a financial EMERGENCY (you're about to lose your house for instance). You can withdraw contributions (but not earnings) tax & penalty free before the age of 59.5.