I opened a shwab account but am having trouble navigating.

[Bearblastbeats]

I opened up a schwab IRA account but am curious as to how these work and if I am able to withdraw money from it if needed.

Schwab has a suggested minimum balance of $1000 for accounts. With an IRA there may be tax penalties for withdrawing prior to age 59 1/2.

Did I open the wrong account?

Should I open a standard brokerage account to buy and sell securities and be subject to tax on Gains and Losses?

[Car Jack]

If you expect to be able to withdraw without penalty, then yes, you'd want a brokerage account, not an IRA.

I have a brokerage account with Schwab and wife has a Roth.  What can be done with the Roth is quite restricted compared to the brokerage.

[Bearblastbeats]

So I should open a brokerage account for when I want to withdraw from, and keep the roth for retirement?