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.
By age ten years, up to 8% of children will develop SNE. The number of children with SNE, as a percent of all cases of nocturnal enuresis, increases with age. A family history of bedwetting is found in about 50% of children with SNE. The emotional impact of SNE on a child and family can be significant.