I'm still in my very early 20s and I've got some good chunk of money saved and invested into stocks. It isn't an insane amount (especially after the recent decline), but it's still a decent chunk. I was considering transferring all of that into a Roth IRA, but I'm worried that at some point or another I'd have to dig into that money for emergency funds. I'm still in college, and I'm sure I'll be fine when I get a job and graduate, but I prefer playing it safe and sorry.
I'm not an expert investor or anything like that, I just invest any time I've got money to spare, so I'm not sure what the best course of action would be, especially now. Should I wait for it to decline further? Is there anything I should keep in mind if I do transfer? Any bit of advice helps. Thanks!