My current contract is ending, with no future job immediately lined up. I have a few thousand dollars in my checking/savings accounts, and a significant amount of cash in my Roth IRA. I have no debt.
I don't want to take another job immediately, as I need to make a decision as to my future career.
I know that I won't pay any taxes on the contributions from my Roth if I take them out (only "earnings" are taxed). But I am not sure this is really the right thing to do, since I shouldn't be touching my retirement account, except in a dire emergency. Plus, I'll be losing those contributions forever since I don't think I can re-contribute (can I?).
Is it a good idea to take out money from the Roth for this, or should I go and find a different job to pay the bills while I figure out my next job?