So short term liquidity for a non-specific goal... Roth IRA IMO depending on current assets and what sort of accounts they are in. If you're three years from FIRE then a Roth IRA helps you with the Roth Pipeline method, your contributions can be withdrawn penalty free, and it increases your flexibility. But to be honest there isn't enough information to give good advice. If you think you're three years from FIRE it is time to buckle down and do some research. Forget which accounts you want, you need to be focusing on how to execute a FIRE plan with the accounts you have and fill in any gaps you see from there.