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 This is a common cause of SNE in the pre-school child. Children with an overactive bladder pee more than usual, often have to run to the bathroom, and are often wet during the day.  Medical conditions. Bladder infections, constipation, and diabetes can also trigger secondary nocturnal enuresis.
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.