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It's great to hear that this is possible after all. I'm about to go out of town but when I return I'll definitely look into the "how".

I'm still just researching possibilities, but the chances are high that I will be under 59.5 when I do this, and in that case, would be willing to pay penalties if necessary. Researching how to minimize penalties is a very important job but second to first finding out how exactly and under what conditions, I can do that. I suppose I should just call TIAA (now that, thanks to your reply, I know they won't just laugh at the very idea) and ask them about how to transfer the Roth into their hands and how they could then create an immediate annuity.

Once I hear directly from them how under acceptable conditions that can be done, researching how to minimize penalties would be good. I do not know the details like some of your experts do. I am aware that my own money, my deposits, can be taken out without penalty. As for the rest, which as you say, "could be subject to penalties" can 72t be applied here to avoid that entirely?(this would be for income, not for education or first home-buying) What little I've researched about 72t I'm rusty on, I recall it for 401k/403b but for Roth too I hope? Would I get off entirely from penalties in that case? Looks like is a website to read up from when I return from tip..thanks for your very quick reply that imm. annuities within Roth is doable. -edlbym
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