Roth IRA funds come from after-tax money, ... The change wouldn't cause a budget loss in the short-term, which would please those concerned about the deficit.

If it is only short-term money I think the budget can handle that.

A Roth IRA with a 401(k) makes a lot of sense.

I think we have short-term memory loss,

That's just where the money is in the budget now. Things will change. I won't say it won't happen. It wouldn't be the first time. But we certainly take into consideration the traffic situation in the area.

You can use the funds for anything, you can withdraw any of your capital and not incur any tax consequences.