<human>: I feel stupid asking this question, but then again, its the internet so why stop myself.
Any of you ever use your roth IRA as basically a savings account. I currently have an emergency fund and I am looking into starting to contribute to all other retirement funds. I'm starting with my wife's IRA (she doesnt have a 401k, I already do 10% to mine) I would like to max out her IRA. I would still have some money left over to put into my own roth IRA, but I feel like I might need the money for sooner or later due to increased expenses (We are thinking about a baby) 
Now, seeing is how you can withdraw your contribution from your Roth IRA without any penalty, what stops me from just putting money in there that I might use for potentially increased expense when say we have a baby or some other such event. Am I missing some sort of penalty here? Is there something wrong with how I'm thinking about htis?

Can you provide a brief rundown of the text in within 3 sentences?
<bot>: Not maxing out my Roth IRA, because I'm concerned I might need the money soon. Thinking that may be wrong, since I can get the money out anytime.