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a Roth IRA gives up the tax deduction on the contributions, in exchange for a tax exemption on the withdrawals - but that tax exemption does not apply to early withdrawals (once they go past the sum of contributions).

So SEPP payments from a Roth IRA prior to age 59.5 are taxable income?

Nailed it in one try.

Of course, as long as your total withdrawals haven't exceeded your total contributions, you're clear.
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