Can I Roll A Roth Ira Into A 529

A Roth IRA is  entirely  ineffective if you  do not,  spend  the cash in your Roth IRA. Here, the  primary  location for financial education I’m  mosting likely to  look at three of  the very best Roth IRA investments. Can i roll a Roth IRA into a 529. Any kind of among these investments can and will make you a tax-free millionaire.

Can I Roll A Roth Ira Into A 529

I’m likewise going to make a recommendation on how to make a decision which of these 3 methods is ideal for you. Similar to so many points in life, there’s never ever one ideal answer. Since the very best investment for you might not be the very best investment for someone else. Can i roll a Roth IRA into a 529.

 So I want you to be as educated as possible  to ensure that you can be in full control of what  occurs to your money. 

 

 

 If all this sounds  excellent to you, we’re going to  leap right in  given that with the Roth IRA, you’ll  never ever have to pay taxes on your investment gains. Can i roll a Roth IRA into a 529.  It makes good sense to use your Roth IRA for high growth investments, since commonly more revenues amounts to even more tax obligations, but not if those investments are inside your Roth IRA. Not only this, yet the Roth IRA is a long-lasting automobile, so it likewise does not make sense to invest for Passive revenue in your Roth IRA. You can not access or take out the cash anyhow up until you turn 59 and also a fifty percent.

 Instead of  concentrating on  easy  earnings in your Roth IRA, why not focus on  development?   So this rules out a lot of investments,  as an example, Bonds or Money, Market Investments like CDs  as well as  short-term Treasuries,  as well as  definitely not  cash money,  due to the fact that you  do not want to  throw away the tax shield of the Roth IRA on investments that return  just one  or more percent or  absolutely nothing. 

 

Can I Roll A Roth Ira Into A 529

  So assuming you’re not about to retire  following year, you want growth  as well as focused investments for your Roth IRA.   To put it simply, you  wish to invest in stocks.  So, let’s  speak about the  3  means to  purchase stocks, for your Roth IRA.  Can i roll a Roth IRA into a 529.  I’ll initially list, what they are and afterwards I’ll explain exactly how every one operates in order of easiest to a lot of advanced.

  1. 1. The first way to purchase your Roth IRA is to acquire target-date funds
  2. The 2nd method is to get index funds.
  3. The 3rd method is to get individual stocks.

 So  allow’s go into each of these  individually. 

By far the easiest investment for your Roth IRA is  purchasing  time frame funds.  Time frame funds is a mutual fund  which contains three to four different index funds inside it.  Basically, it’s a fund of funds.

Here’s a typical  time frame fund  and also you’ll,  typically see a domestic stock fund, a International stock fund, a bond fund and  typically a small amount in a money market or  cash money fund. Can i roll a Roth IRA into a 529.  So that’s what a fund of funds looks like.

A 2055 fund is going to be  much more heavily  heavy towards  supplies. Can i roll a Roth IRA into a 529.  Its called a 2025 fund, due to the fact that if you’re preparing to retire really quickly, you don’t have the luxury of waiting on a healing in case of a stock market downturn. So you’re mosting likely to have even more bonds, which offers you a lot more security and less in supplies.

Target-Date funds automatically pick a  mix of investments for you,  based upon your approximate age,  and after that it readjusts that  mix of investments. As you  come close to  old age, if  extra Americans owned target-date funds during the last  economic downturn, they  actually would have been much better off.

Can i roll a Roth IRA into a 529.  I know it’s a delicate topic, yet when you read about individuals that lost fifty percent of their retired life in the 2008 stock market accident, many of them had excessive of their portfolio in stocks, given their age and also or they either sold everything and after that absolutely missed out on the recuperation. S, ince it’s every age details, the name of a target date fund is constantly going to have actually a year attached to it.

The Fidelity Freedom Index 2055 funds. Every target date fund has a target retired life year as component of the name, so finding the ideal one, for you is really simple.

 Ramit Sethi, a  individual  financing  master  as well as  very successful  writer of “I  will certainly teach you to be rich”,  advises target date funds for the  huge majority of people. He talks about  exactly how target-date funds are the  supreme set it and forget it investment and they cost a lot less than  making use of a robo-advisor. Can i roll a Roth IRA into a 529.  Yes, you can attain higher returns with other techniques like the ones.I’m going to inform you regarding a little in the future. These various other methods all require more work and even more effort. You don’t obtain higher returns, putting in less effort. It’s like even more work equals much more returns.

 That’s  usually  exactly how it  functions. That’s why target-date funds are the  sensible choice for  most individuals.  Most individuals are busy  experts, they have  family members and all  sort of other things in their life going on and they  do not  actually  wish to manage their investments.  In that sense, target-date funds are a  piece of cake investment option for your Roth IRA.  

The second of Roth IRA investments I  intend to talk about is Index Funds. Can i roll a Roth IRA into a 529.  This technique is really comparable to Target Date Funds, except it’s far more DIY.

The  time frame fund  offers you a  full optimally allocated portfolio in one  great  bundle,  yet with index funds. Can i roll a Roth IRA into a 529.  You basically would construct that yourself, so you have to decide on an asset allocation, that’s right for you and for your age, and then you require to locate index funds to build that asset allocation.

You  would certainly  likewise need to rebalance your portfolio once  the marketplace  relocates order to  preserve those  percent asset  allowances, as well as  maintain your retirement date or your goal date in mind.  As well as readjust your portfolio  in the direction of a more  conventional allocation  gradually.

 It is a little bit more work than a target date fund,  due to the fact that you’re  basically going to do yourself what the target date fund  would certainly do for you.  Can i roll a Roth IRA into a 529.  The choice that benefits you if you desire a bit more control over your investments, a time frame fund. For all you type-a, nerds as well as control freaks out there, you’ll possibly desire to do it.

 In this manner, I personally do index funds in  among my accounts  as well as I don’t do target date funds,  since I  directly  wish to follow an asset allocation that isn’t  provided by  any type of target date funds. The asset allocation model that I  adhere to is one  suggested by David Swensen. He’s the  fabulous portfolio manager of Yale’s, thirty billion dollar endowment fund.

I  discuss him a lot  as well as he recommends  assigning percent in domestic  supplies, 15 % in international stocks, 10 % in  arising markets, 15 % in  United States Treasuries, 15 % in  United States inflation-protected Treasuries  and also 15 % in roths or real estate  investment company.

This is a portfolio made of six different index funds, however if you desire to keep it straightforward, you can likewise simply replicate the allocation of a target date fund. If you look at the Fidelity 2055 fund that we talked about previously, you see that they have 60 % in residential stocks. Can i roll a Roth IRA into a 529.  They have regarding 30 percent in an International stock fund as well as the rest of it in bond as well as money market funds. So you could just duplicate that asset allocation and locate index funds to create that, and just do it on your own.

Actually there’s numerous various asset allowances you could select from. There is no one right solution, but you just wish to comprehend the pros and cons of each and afterwards pick something. I chose David Swensen’s asset allocation because I like that it does not have too many eggs in one basket. Can i roll a Roth IRA into a 529.
 Simply put, there’s no  solitary asset class that dominates the portfolio there’s like at most 30 percent in the domestic  supplies, but  after that  every little thing else is 15 percent in  property  and also 15 percent in bonds  and also 15 percent in emerging markets.

This  indicates that, throughout  any type of economic cycle or  period  durations of  reduced  development, high  development,  reduced  rising cost of living,  reduced and high inflation, my portfolio is  placed to benefit, and yet it’s still very  development focused  since  a lot of it it’s is in stocks.

  So it’s  actually just a fancier  variation of the  regular asset allocation of  many  time frame funds, for a more  thorough explanation on  just how to  purchase index funds for your Roth IRA  make certain to download my Roth IRA  spending starter kit.  Can i roll a Roth IRA into a 529.  It has step-by-step instructions on various asset allowances to select from. The pros and cons of each allocation, which index funds to purchase and just how much of each index fund to acquire. It’s really details comprehensive. And it’s an impressive resource that I’ve created just for you and also I know you’re going to love it.

 When you  pick an asset allocation, then  action is to  discover  inexpensive index funds that fit those allocations.

The  trick is to  make certain that the expense  proportion of the index fund is under 0.2 %,  and also you can even  locate a lot of index funds that are much  less than that. If you’re  thinking about doing index funds for your Roth IRA  after that  absolutely download my Roth IRA investing starter  set. It’s  an additional  popular option that I did  particularly on Fidelity Index Funds.

The 3rd and most innovative means to spend your Roth IRA is by acquiring individual stocks. At the heart of it, the entire idea when purchasing individual stocks is that you’re trying to get excellent companies at a great priceYou do not desire to acquire bad firms at a good rate.

 It’s also the most labor-intensive  method to invest your Roth IRA. To buy for your Roth IRA, you  would certainly want to ask yourself the following  inquiries: do I  recognize this company and the industry it’s in. 

 

Can I Roll A Roth Ira Into A 529

 Another  inquiry you want to ask yourself is: do you want? Do you trust the CEO and the  monitoring  group to do the right  point? You  additionally want to ask  on your own: does this  firm have  great  capital  currently  as well as in the future, so that does involve  checking out the  monetary statements  as well as detecting trends and patterns and thinking about where the industry’s headed in the future? You  likewise  wish to ask yourself: does this company have  excessive  financial obligation, which is really something that  would certainly  jeopardize its  capacity to  endure  any type of  type of economic  declines. A  fast  means to  inform whether a  business has  excessive debt  or otherwise, is to  take a look at a Ratio called the  financial obligation to asset  proportion. 

 This  informs you how much a  firm owes  about how much it owes.  Generally, you  intend to invest in  firms that  have  two times as  long as it is the  much more it owes relative to what it owes the better. Can i roll a Roth IRA into a 529.  This is simply one of the metrics you could consider to see if a business has way too much debt. I talk more about financial debt metrics in my Roth IRA Investing starter set so certainly a duplicate.

 If you haven’t already,  one more  concern you want to ask yourself is: can I  acquire this stock at a  sensible price  and also what’s reasonable is  totally relative right?  It’s all relative to  exactly how  lucrative the company is, the  a lot more  rewarding a company is the  extra I’m  prepared to pay to own that stock. On the  other side, the  much less  lucrative that company is the less I’m willing to pay to  have that stock.

One fast method to tell if the stock is trading on a reasonable price is to look at what’s called the p/e ratio or the rate to incomes proportion. The price to revenues proportion is a metric that contrasts the rate of the stock split by its revenues per share and the reduced the p/e proportion, the cheaper the rate is relative to the profits.

 Once more, my Roth IRA, investing starter  package  supplies  comprehensive instructions on  just how to find a  supply’s p/e ratio,  along with how to  utilize it to  make great investing  choices.

 

Can I Roll A Roth Ira Into A 529

  Currently for some  suggestions on  just how to go about  picking which of these  3 Roth IRA investing strategies  would certainly be best for you. The third option of picking individual stocks  clearly it  seems  enjoyable  and also it can be  actually lucrative,  however 99 % of people are just talk here. 

It’s  sort of like if you’re trying to lose weight and you  require to choose a diet plan that you would  really be able to do and the results might not be as  hot or  quickly,  however  at the very least it’ll  function.

 Returning to  spending, you want to pick the strategy that you’re actually  mosting likely to do  as well as  for the most part, just investing in target-date funds, you’re going to  wind up  truly really  well-off. If you just do that  constantly, if you’re a lazy  financier – and you  intend to  spend  the cash in your Roth IRA, with as little  initiative as possible – go with target-date funds. Can i roll a Roth IRA into a 529.  If your eyes just glaze over at the idea of managing your very own investments and seeking index funds and rebalancing your portfolio, then don’t require yourself to do something that you do not want to do.

Life is  also  brief for that, so  great deals of  individuals retire millionaires  simply doing target-date funds.  I  actually  suggest target-date funds for the very kind of lazy, hands-off investor. 

For the a little more DIY investor I recommend index funds. I such as index funds as well and for the extremely DIY financier I recommend discovering just how to invest in individual stocks.

 Every one of you, type-a nerds  available,  find out some accounting  terms  as well as do a bit of  study  and also number crunching. For  any individual  that  puts in the time to learn  exactly how to  evaluate individual stocks, it can be  truly  fulfilling.

These are the 3 actually awesome methods to invest your Roth IRA. Can i roll a Roth IRA into a 529.

Can I Roll A Roth Ira Into A 529

A Roth IRA is completely  pointless if you  do not,  spend  the cash in your Roth IRA. Here, the number one  location for financial education I’m  mosting likely to  discuss three of the best Roth IRA investments. Can i roll a Roth IRA into a 529. Any one of these investments can and also will make you a tax-free millionaire.

Can I Roll A Roth Ira Into A 529

I’m additionally going to make a recommendation on just how to determine which of these 3 strategies is finest for you. Just like numerous points in life, there’s never ever one ideal solution. Since the most effective investment for you might not be the most effective financial investment for another person. Can i roll a Roth IRA into a 529.

 I  desire you to be as  enlightened as possible so that you can be in  complete control of what  occurs to your money. 

 

 

 If all this  appears good to you, we’re  mosting likely to jump right in  considering that with the Roth IRA, you’ll  never ever  need to pay  tax obligations on your investment gains. Can i roll a Roth IRA into a 529.  It makes good sense to utilize your Roth IRA for high growth investments, since usually even more profits amounts to more taxes, yet not if those investments are inside your Roth IRA. Not only this, but the Roth IRA is a lasting automobile, so it additionally doesn’t make sense to invest for Passive income in your Roth IRA. You can’t access or take out the cash anyway till you transform 59 and a fifty percent.

  Rather of focusing on  easy  revenue in your Roth IRA, why not focus on growth?   This rules out a  great deal of investments, for  instance, Bonds or Money, Market Investments like CDs  and also  brief term Treasuries,  as well as  absolutely not cash,  due to the fact that you don’t  desire to waste the tax shield of the Roth IRA on investments that return only one or  2 percent or  absolutely nothing. 

 

Can I Roll A Roth Ira Into A 529

  So assuming you’re not about to retire  following year, you want  development  and also focused investments for your Roth IRA.   Simply put, you  wish to invest in  supplies.  So,  allow’s  discuss the three  means to  buy  supplies, for your Roth IRA.  Can i roll a Roth IRA into a 529.  I’ll first note, what they are and afterwards I’ll describe how every one works in order of most convenient to many advanced.

  1. 1. The initial method to purchase your Roth IRA is to buy target-date funds
  2. The 2nd method is to acquire index funds.
  3. The third means is to buy individual stocks.

 Let’s go into each of these one by one. 

 Without a doubt the  most convenient investment for your Roth IRA is  getting  time frame funds.  Time frame funds is a mutual fund that contains  3 to  4  various index funds inside it. Essentially, it’s a fund of funds.

 Right here’s a  common target date fund  as well as you’ll,  generally see a  residential stock fund, a International stock fund, a  mutual fund  as well as  typically a small amount in a money market or  cash money fund. Can i roll a Roth IRA into a 529.  That’s what a fund of funds looks like.

A 2055 fund is going to be more  greatly  heavy  in the direction of  supplies. Can i roll a Roth IRA into a 529.  Its called a 2025 fund, because if you’re intending to retire actually quickly, you do not have the deluxe of waiting on a recuperation in case of a stock market downturn. So you’re mosting likely to have more bonds, which provides you extra stability as well as much less in supplies.

Target-Date funds automatically  choose a  mix of investments for you, based on your approximate age,  and after that it  adjusts that  mix of investments. As you  come close to retirement age, if  a lot more Americans  had target-date funds during the last recession, they really would have been  better off.

Can i roll a Roth IRA into a 529.  I recognize it’s a sensitive subject, yet when you read about individuals that shed half of their retired life in the 2008 stock market crash, a lot of them had too much of their portfolio in stocks, given their age and or they either marketed whatever and afterwards entirely lost out on the recuperation. S, ince it’s all age specific, the name of a time frame fund is always going to have a year affixed to it.

  The Fidelity Freedom Index 2055 funds.  This is the  proper  time frame fund for a 30 year old  that  would certainly retire  at some time around the year 2050. Can i roll a Roth IRA into a 529.  Every time frame fund has a target retired life year as part of the name, so finding the right one, for you is actually simple. Simply identify in what years somebody your age would about retire and after that just try to find a target date fund with that said year.

 Ramit Sethi, a  individual  financing guru  as well as  very successful author of “I will teach you to be rich”, recommends target date funds for the  huge majority of people. He  speaks about  exactly how target-date funds are the  utmost set it and forget it investment  as well as they  set you back a lot less than  making use of a robo-advisor. Can i roll a Roth IRA into a 529.  Yes, you can attain greater returns with other techniques like the ones.I’m mosting likely to tell you concerning a little in the future. Yet these various other methods all need even more job as well as even more effort. You do not obtain greater returns, putting in less initiative. It’s like more job amounts to much more returns.

 That’s  normally  just how it  functions. That’s why target-date funds are the  sensible  option for  the majority of people.  The majority of people are  active  experts, they have  family members and all  sort of other things in their life  taking place  and also they  do not  truly  wish to  handle their investments.  In that  feeling, target-date funds are a  piece of cake investment option for your Roth IRA.  

The  secondly of Roth IRA investments I want to talk about is Index Funds. Can i roll a Roth IRA into a 529.  This approach is really comparable to Target Date Funds, except it’s much more DIY.

The target date fund  provides you a complete  efficiently allocated portfolio in one  wonderful package,  yet with index funds. Can i roll a Roth IRA into a 529.  You basically would develop that yourself, so you have to choose an asset allocation, that’s right for you as well as for your age, and after that you need to locate index funds to build that asset allocation.

You  would certainly  likewise  require to rebalance your portfolio once the market moves in order to  keep those  percent asset allocations,  along with keep your retirement date or your  objective date in mind.  As well as readjust your portfolio  in the direction of a  extra conservative allocation  in time.

 So it is a  bit  much more  job than a target date fund,  due to the fact that you’re  basically going to do  on your own what the target date fund would  provide for you.  Can i roll a Roth IRA into a 529.  The choice that benefits you if you want a bit even more control over your investments, a target date fund. So for all you type-a, geeks as well as control go crazy there, you’ll most likely want to do it.

 By doing this, I personally do index funds in one of my accounts  as well as I  do not do  time frame funds, because I personally want to  comply with an asset allocation that isn’t  used by  any kind of target date funds. The asset allocation model that I  comply with is one recommended by David Swensen. He’s the  famous portfolio  supervisor of Yale’s, thirty billion dollar endowment fund.

I talk about him a  whole lot and he  suggests  alloting percent in  residential stocks, 15 % in international  supplies, 10 % in  arising markets, 15 % in  United States Treasuries, 15 % in  United States inflation-protected Treasuries and 15 % in roths or real estate  investment company.

So this is a portfolio made from six various index funds, yet if you wish to keep it simple, you can likewise simply duplicate the allocation of a target date fund. If you look at the Fidelity 2055 fund that we chatted around earlier, you see that they have 60 % in domestic stocks. Can i roll a Roth IRA into a 529.  They have concerning 30 percent in an International stock fund and the remainder of it in bond as well as money market funds. You can just replicate that asset allocation and locate index funds to produce that, and also just do it on your own.

In fact there’s thousands of different asset allocations you might select from. There is no one right answer, yet you simply wish to comprehend the benefits and drawbacks of each and after that select something. I selected David Swensen’s asset allocation since I like that it does not have way too many eggs in one basket. Can i roll a Roth IRA into a 529.
 To put it simply, there’s no  solitary asset class that dominates the portfolio there’s like at most 30 percent in the  residential  supplies,  however then  whatever else is 15 percent in  property  and also 15 percent in bonds and 15 percent in  arising markets.

This  suggests that, throughout  any kind of economic cycle or season periods of low growth, high  development, low inflation,  reduced  as well as high inflation, my portfolio is  placed to  profit,  as well as yet it’s still very growth  concentrated  since  a lot of it it’s  remains in stocks.

  So it’s really just a fancier version of the  normal asset allocation of  the majority of  time frame funds, for a  extra in-depth explanation on  just how to  purchase index funds for your Roth IRA  see to it to download my Roth IRA investing starter kit.  Can i roll a Roth IRA into a 529.  It has detailed directions on various asset allotments to choose from. The advantages and disadvantages of each allocation, which index funds to buy and how much of each index fund to get. It’s very certain detailed. And it’s an impressive resource that I’ve created just for you as well as I know you’re going to like it.

 When you decide on an asset allocation, then step is to  locate  low-priced index funds that fit those  appropriations.

The key is to  see to it that the  cost ratio of the index fund is under 0.2 %,  as well as you can  also find a lot of index funds that are much  less than that. If you’re  thinking about doing index funds for your Roth IRA  after that  absolutely download my Roth IRA  spending starter kit. It’s another very popular  alternative that I did  especially on Fidelity Index Funds.

The 3rd as well as most innovative means to invest your Roth IRA is by getting individual stocks. At the heart of it, the entire idea when buying individual stocks is that you’re trying to acquire excellent business at a excellent priceYou do not desire to purchase poor firms at a great cost.

   Nevertheless, it’s  additionally the most labor-intensive  method to  spend your Roth IRA.  There’s a bit of a  discovering curve and it requires you to kind of learn  just how to read  economic  declarations and do research on  private companies when you’re looking at individual stocks. To buy for your Roth IRA, you  would certainly  intend to ask yourself the  adhering to  inquiries: do I  recognize this company  and also the  market it’s in. Do I  recognize  just how this  business  generates income  as well as do I even  understand what this  business’s  service  design is and what it takes for it to be  effective. 

 

Can I Roll A Roth Ira Into A 529

  One more question you  wish to ask  on your own is: do you  desire? Do you  rely on the CEO  and also the  monitoring team to do the  ideal thing? You also  intend to ask  on your own: does this  firm have  excellent  capital  currently  as well as in the future, so that does  include  reviewing the  monetary statements and  finding trends  and also patterns and  thinking of where the  market’s headed in the future? You  additionally  intend to ask yourself: does this  firm have too much debt, which is  actually something that would  endanger its  capacity to survive  any kind of  kind of  financial  declines. A  fast way to tell whether a  firm has too much  financial obligation or not, is to  check out a Ratio called the  financial debt to asset  proportion. 

In basic, you want to invest in business that have twice as much as it is the much more it owes family member to what it owes the better. I speak more about financial debt metrics in my Roth IRA Investing starter package so definitely a duplicate.

 If you haven’t  currently,  one more question you  desire to ask yourself is: can I  purchase this  supply at a  affordable  cost  as well as what’s  affordable is completely  loved one?  It’s all  about how  lucrative the  business is, the  much more  lucrative a company is the  extra I’m willing to pay to own that stock. On the  other hand, the less profitable that  firm is the less I’m  eager to pay to  possess that  supply.

  So one quick way to tell if the stock is trading on a  affordable price is to  check out what’s called the p/e ratio or the  cost to earnings ratio.  Can i roll a Roth IRA into a 529.  The cost to profits ratio is a statistics that contrasts the price of the stock divided by its profits per share and also the reduced the p/e ratio, the less expensive the rate is relative to the revenues. The greater the p/e proportion, the greater or a lot more expensive the stock price is about its incomes. To put it simply, a low p/e proportion indicates even more bang for the buck. Or you’re getting more earnings for every dollar that you spend for that supply.

 Once again, my Roth IRA,  spending starter  package provides  thorough  guidelines on  exactly how to find a stock’s p/e  proportion, as well as  just how to  utilize it to  make great investing  choices.

 

Can I Roll A Roth Ira Into A 529

  Currently for some  suggestions on  just how to go about  selecting which of these three Roth IRA investing  methods  would certainly be best for you. The third option of picking individual stocks  clearly it sounds fun and it can be  actually  rewarding, but 99 % of  individuals are  simply  chat here. 

It’s kind of like if you’re trying to  slim down  and also you need to choose a  diet regimen  strategy that you would actually be able to do and the results  may not be as  hot or  quickly,  yet at least it’ll work.

Getting back to  spending, you  wish to  choose the  approach that you’re actually  mosting likely to do and  for the most part,  simply  purchasing target-date funds, you’re going to  wind up really  actually  well-off. If you just do that  continually, if you’re a  careless investor –  and also you  wish to invest  the cash in your Roth IRA, with as little  initiative as possible –  choose target-date funds. Can i roll a Roth IRA into a 529.  If your eyes just polish over at the idea of managing your very own investments and seeking index funds as well as rebalancing your portfolio, after that do not require yourself to do something that you don’t wish to do.

Life is  also  brief for that, so lots of people retire millionaires just doing target-date funds.  I  truly  suggest target-date funds for the very kind of lazy, hands-off  capitalist. 

For the somewhat more DIY capitalist I advise index funds. I such as index funds as well as well as for the really DIY financier I suggest finding out just how to spend in individual stocks.

 Every one of you, type-a nerds  available,  discover some  accountancy terminology and do a bit of research and number crunching. For  anybody  that takes the time to  find out  just how to  examine individual stocks, it can be  actually rewarding.

These are the three truly incredible methods to spend your Roth IRA. Can i roll a Roth IRA into a 529.