As a background, I max my traditional 401k, Roth IRA, and HSA contributions every year. The next step in the flowchart is to contribute to the after-tax 401k then roll it over to the Roth IRA aka Mega Backdoor Roth IRA. If I understand it correctly, I am able to withdraw Roth IRA contributions tax-free and penalty-free. If that’s the case, would it be a good idea to take this MB Roth IRA approach, and withdraw from the contributions for my everyday expenses BUT not touch the earnings? That way, I will have a net gain (the earnings from the MB Roth IRA) rather than no net gains (not taking the MB Roth IRA approach at all) if I were to just receive that amount in my regular paycheck. I don’t earn enough to invest beyond the regular max contributions to my traditional 401k, Roth IRA, and HSA. The way I see it, the earnings will grow as part of my account even if I withdraw the contribution amount.