Here's a lifehack. Use a Roth IRA as a savings account for up to $6000. You can take out money freely as long as it's $6000 or less. Every year put $6000 in it to allow larger transactions. The money will start to grow and at 59 1/2 you can cash it all out with no taxes. Or put in $6000 and after one year take out the $6000 and the earnings you made will then make money off itself with no future contributions from you