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When you take a distribution from a Roth IRA (I know its a little early to discuss this) make sure you do it in cash NOT stock. The rules for regular IRA distributions are sketchy, but the best I could come up with is that if you distribute stock from an IRA the stock's basis is the amount that was included in your gross income. For a Roth IRA you will not include any amount in your gross income (is that right) so maybe your basis is $0. Better not be the test case and sell the stock before you disribute it. Any thoughts?
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