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.
Common Causes of Childhood Stress. The source of anxiety and stress in children can be something external, such as a problem at school, changes in the family, or a conflict with a friend. Anxious feelings can also be caused by a child's internal feelings and pressures, such as wanting to do well in school or fit in with peers.