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Steve asks:

<<The only follow up question I have is what did you mean by "all Roth IRAs are aggregated for withdrawal purposes"? >>

You may have more than one Roth IRA with the same or different providers. They may also be a mixture of type (i.e., those with annual contribution money and those with money from converted traditional IRA). When you take money from any of them, all of them are viewed as a single IRA in total regardless of which one(s) you use for the withdrawal or what type they are. Priority of the source of the money withdrawn goes (as I said in my prior post) first to annual contributions, next to conversion contributions from earliest to latest, and last from earnings.

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