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are doing their best to explain the rules to you.

They are doing a great job.

They have no ulterior motives

Never said they did.

There is no reason to get indignant or rude.

Was I? The Internet is a funny thing. It was not my intent to be rude to anyone here on the board. I am however slightly miffed at the Fool discussion of Roth IRAs in the articles section, I believe it is misleading. The replies I have gotten on this board have been extremely helpful in understanding the situation, however.

You received money in the past that was a credit due to a ROTH contribution. You withdrew that contribution, thus giving up the right to claim the credit, and must give it back.

It seems you have not been paying attention.. The Roth contribution was from a couple years ago. I withdrew part of that this year. The credit was due to 401K contributions I made during this year. Had I known there was this "de facto tax", I might have searched for alternatives for getting the money I needed. Since I was under the impression there would be no repercussions for withdrawing the Roth contribution, I did just that.

Suppose the government eliminated all tax credit programs. Would you say they raised taxes? I sure would. I hope you can at least se my point of view, even if you don't agree with it.
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