I need to spend $15K on my roof. Should I take it from my Roth IRA, 401(k), IRA or money-market account?

Core Insights - The individual is considering funding a $15,000 roof repair using funds from four retirement accounts, highlighting the financial decision-making process involved in accessing retirement savings for immediate needs [1][2]. Group 1: Retirement Accounts Overview - The individual has four retirement accounts: a Roth IRA with $16,000, a money-market account with $16,000, a traditional IRA with $460,000, and a 401(k) with $43,000 [3]. - The traditional IRA and 401(k) are heavily concentrated, making up nearly 95% of the individual's portfolio, which could lead to significant taxable income upon withdrawals [8]. Group 2: Financial Implications of Withdrawals - Withdrawals from the money-market account are suggested as the most efficient way to fund the roof repair, as they do not incur penalties and allow retirement accounts to remain untouched [5][7]. - Taking money from traditional retirement accounts would not only incur taxes but could also push the individual into a higher tax bracket, increasing the overall cost of the roof repair [6].