With a regular passbook saving account, you would be able to withdraw money whenever you need it.

如果是活期存折储蓄帐户，一旦需要，你随时可以取款。

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For non-deductible contributions to a traditional IRA (where you make too much income to qualify for a deduction), or regular contributions to a Roth IRA, or saving in a taxable account, you pay income tax as you earn the money, regardless of what you do with it.

FORBES: Taxes and Investments: The Inside Scoop