With a Roth IRA, you’re basically betting advice that you’ll be in a higher tax bracket at retirement than you are now (probably a good assumption). However, if you’re a full time student, you’re probably in a low enought tax bracket that you may not have to pay much in taxes (if at all).
If I were you, I wouldn’t bother tying up your investments in a retirement account that has a lot of penalties if withdrawn for non-retirement purposes. Invest for the long term, but it’ll help you out if you can use those funds for other purposes (marriage, kids, buying a house, or even just to get by if you don’t have a job right after graduation).
