Ok, I understand the tax implications of Roths, both liquidating them now and holding them. After 10 years, I'm marginally in the red. If I had bought antique guns or artwork I'd have triple the money I have in the Roths. Remember when this money was invested gas, groceries and other costs of living were 1/2 as much as they are currently. I just don't want to get caught cashing them in when milk is $8 and gas is $14 gallon and I still have the same actual 5k in the Roth.