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I mentioned 3 options, 2 are long term (for retirement) savings: Roth IRA and 401K, they **only** have fees to withdraw pre-retirement. The 3rd an IRA does not have fees to withdrawl and would be where you put savings where you'd want access to it should you need it.
> Holding wealth over a long period of time is vital to the prosperity of the people, and making it accessible in the form of a stable currency is a keystone in that.
Yes it is vital, but not in the form of currency and no we do **not** make it available in that form (and never have), I have mentioned 4 ways you can hold wealth over long periods, all of which are healthy for the economy as they enable that money to build new wealth rather than stagnate. People hoarding money is not what we need, that is not what money is for.
