With a Roth IRA, you can withdraw your contributions at any time, free of tax or penalty. Earnings are income tax-free if you've held the account for five years or more and youâre age 59 1/2 or older. Earnings are also income-tax-free if made on account of disability/first home buyer/death.
1 The sensation of a full bladder causes most children to wake up in time to pee. But some children sleep so soundly they do not wake up to pee.  Obstructive sleep apnea (OSA). Although uncommon, obstructive sleep apnea can also cause secondary nocturnal bedwetting.
Causes and Risk Factors. The main causes of encopresis are constipation and emotional stress. Accumulated stool in the colon can affect the nerves that control the bowel, leading to accidental soiling. Constipation. Prolonged or chronic constipation is the common cause of encopresis. Irregular bowel movements enlarge and harden the stool, making it painful to pass. The anticipation of pain may cause a child to avoid the toilet, worsening the problem.