I love trying to incorporate different constructions I find in the Yale Grammatical Diversity Program. Currently working on “for to” constructions. My goal is just to understand how people perceive language, and this is a great resource. It isn’t a collection of “wrong” ways to say things, just how a minority of people say things.
The most popular example I can think of is the song “Horse with no Name” in the chorus.
I’ve been through the desert on a horse with no name
It felt good to be out of the rain
In the desert you can’t remember your name
'Cause there ain’t no one for to give you no pain
Don’t rule out a Roth if you only want to save for 5-10 years. You’re allowed to withdraw the principal (initial 10K) at any time for no penalty/cost, so long as it’s recorded properly with the IRS when you withdraw it.