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This is why you gotta use a Roth IRA, if you pull from it before 59 it's heavily taxed. Forces you to save
Pretty sure you can pull contributions before 59 at anytime penalty free. Gains though and yeah you'll pay penalties and taxes on.
No, a traditional IRA would be even better for that. With a Roth, you can withdraw the principal without penalty since it was after-tax to begin with; it's only the gains that you get punished for taking out. In contrast, any amount of withdrawal from a traditional account incurs a penalty (with a few exceptions, such as using it to buy your first house or whatever).
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