You don't need to wait 5 years to withdraw the principal from a Roth. You can do so anytime. I do not see this exception in IRS Pub 590.http://www.irs.gov/pub/irs-pdf/p590.pdfIt states that only qualified distributions 5 years after the first year in which a contribution was made may be tax free.FuskieWho would love to see the exception...
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