Phil,You have been very helpful. My total income for 2003 so far has been about $22,000. (12k from last job and 9,600 from unemployment) With the additional withdrawl of $7,067 and writeoffs on my mortgage, property taxes, and $2,500 loss from my ROTH (current balance against principle contributions) I can sssume I'll be taxed at 15% marginal for the $7,200 withdrawl on my IRA?My educational expenses for 2003 will be around $7,000. All being paid by my student loans. I guess that means no penalty for my IRA withdrawl according to what you've said?pn8tThank you again for your help.
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