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Sorry for the double post, but I was noticing Wxman's comments about withdrawing Roth IRA contributions.

I believe you can always withdrawl Roth IRA contributions with no penalty as long as they've been in there for at least 5 years (See the Top 10 Roth IRA questions -answer number 6 - by following my previously posted link). It doesn't matter what you withdrawl them for. It's when you start dipping into the earnings on those contributions where you get into trouble, and where some withdrawl EXCEPTIONS apply (like being able to withdrawl some of it for a first time home purchase, higher learning, etc). Again, go to the link in my previous post for more IRA info.
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