livesoft wrote:I would use another financial institution for the new Roth contributions. That way there would be no mix-up or confusion with respect to old/new stuff.
Old versus new doesn't matter here; the amount you are allowed to withdraw penalty-free is equal to the total amount you have contributed, and you can withdraw it from any account. For example, if you have contributed $20,000 to the new Roths and invested it in stock funds which are now worth only $15,000, you can still withdraw $20,000 from your Roths as long as you have those funds somewhere, say in a money-market account in the old Roths.
What I would suggest doing is keeping the money-market fund balance in the Roths equal to the amount you are allowed to withdraw, at least until you have your whole emergency fund built up.