Well, if it's in a Roth IRA, you can't take it out without taxes and penalties unless you meet certain conditions. If you're not 59 1/2 yet, you'd have to have it open for five years and then take it out in a highly specific way that is not easy to achieve but is possible (the "substantially equal periodic payments" method) but strikes me as easy to mess up and then you're on the hook for taxes you hoped to avoid.

My point is, if it is inside any kind of retirement account (Roth IRA, traditional IRA, 401k, 403b, 457b or health savings account), dividends are fine. If it is in a brokerage account (meaning you just go to Vanguard or Schwab or Fidelity or whoever and open an account--not a retirement account), and you have enough money there (>400k), I think they are a big pain in the neck and I just wrote about it.