Suze Orman

is that I have a saying, trust yourself more than you trust others.

And forever I would say, listen, if you have that little feeling in your gut- Listen to it.

Listen to it.

That's the voice of God, in my opinion.

Seriously.

I'm not kidding, Katie.

Speaking to you to protect you.

So you should absolutely listen to your gut.

Now, here are the rules and this is how it works.

Given that all you have in there is the amount of money you originally contributed because it's been in cash, so it's not earning any money, you don't have any interest, anything.

You can take out anything you originally contributed regardless, listen closely, regardless of your age or how long the account has been opened

without penalties or taxes whatsoever.

That's true.

You could take all that money out right now if you wanted to and you needed to.

However, Roth IRAs and traditional IRAs can also do something known as an IRA rollover, where you are allowed to once every 12 months, just once every 12 months, you can withdraw any money you're allowed to do from a Roth or an IRA, but you have to have it back, the exact amount back

within when?

60 days.

That's good, KT.

Now, the reason that your coworkers are wrong is if you withdraw, let's just say $3,600 one month, the clock now has begun

And 60 days from there, you have to put that $3,600 back.