Personal Finance and Investing

It is after all, YOUR money.

I was going to add to my post above, that the logic (if you can find logic in the IRA codes!) is to encourage leaving money in tax deferred accounts for a long time. That is manifested in the tax advantages of such accounts.

Taking it out early is discouraged by the use of penalties. Those don't apply to you because of your age.

Also, if the entirety of this one particular IRA (you don't mention if you have more than one) is held in a Money Market fund, then it is completely liquid and you will at least know you haven't gone backward, should the market retract.

So yeah, you're good.