A question for all of you advisers & planners out there...
Should a 24 year old couple save money in a retirement account (after normal 401k contributions) like a Roth IRA or use that money to invest in a safe money market account to get to the 3-6 month level of savings financial professionals say you need in case of an emergency. One other thing to note is that this couple has principal currently sitting in Roths > 5 years, so money can be withdrawn from the Roths tax & penalty-free in case of an emergency.
I may be answering my own question, but I wanted to get other perspectives on this issue.