Investing in index funds through brokerage vs ROTH IRA vs IRA ??

[Vincent Sottile]

I have been investing in VTSAX through a joint brokerage account. I'm debating if I should start maxing out a ROTH IRA or regular IRA in addition. From what I understand you can withdraw from a ROTH at any time, so it could almost double as a savings account, instead of leaving money in the bank to collect little interest. Are there any advantages an IRA would have over a ROTH IRA, beside reducing taxable income? I know there are fees for withdrawing from an IRA early.

I am 23 years old, working full time. Thanks!