You have kids - do a 529 plan and max it out You will retire one day - max out your 401k yearly, IRA, Roth IRA (or backdoor to Roth IRA)You will have health expenses one day - max out your HSA From here I'd invest in Real Estate.

Let's say you borrow $100,000 to pay off your $50,000 IRA loan, $25,000 on credit cards, and keep $25,000 for finishing renovations.

Investing in a mortgage fund should not have tax implications for your Roth IRA since the investment is passive. 

I am wondering if transferring the cash periodically to a standard brokerage IRA account may be my best option.

"Urged people to withdraw money from 401k/IRA and pay a penalty."

If 1031 is to be implemented it must be done on the property level.2. 1031 generally does not apply to IRAs since they are tax-exempt. 3.

We review yearly with our CPA who files the necessary forms.By law, IRAs require a custodian.

Self-Directed IRAs (SDIRA) or Solo 401(k)s allow tax-deferred or tax-free real estate investing, though they come with IRS restrictions.

They then missed out on several more years of growth because they got out of the game and waited on the sidelines for things to look better. 2010 to 2012 was the period that cash investors were the players or those with IRA keep in mind investor loans were still basically non existent in those years for all those expect very well to do Investors beginners were not getting investor loans. 

It's a part of my self directed IRA.