If you're planning on spending this money over the next three years you might not bother, but if there's a chance you can avoid using you may consider
using a roth as an emergency fund since you'll otherwise lose that available space forever anyway. Worst that happens is you end up withdrawing contributions, best is that you can get by without it and you end up with more money in your roth than you would otherwise. Remember that a roth is just a bucket you put money in, not a type of investment, so if this is acting as money you're somewhat likely to need, put it in something unlikely to lose value, not stocks.