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cjones38 wrote:
A broker told me one thing and I think I read on this board just the oposite. In a Roth before age 59 1/2 can you make withdrawels from just your contributions tax free? Or are you forced to take some or all of that withdrawel from the earnings and pay tax on that portion? Or is this the case before 5 years existance? After 5 years?

You can withdraw contributions tax-free and penalty-free at any time.

According to the recently passed legislation, any distribution from your Roth IRA comes first from your annual contributions, then from rollover amounts, and finally from earnings. For the purposes of this rule, you consider all your Roth IRAs as one. For more info, see .

- Darrell (not a tax expert)
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