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Your statement would have been OK, if the money were actually just in a MMA, but it isn't -- it's evidently in a MMA, but it's already in the Roth IRA

say no more. I was confusing years, and, like you said, misread the poster's statement. In which case, the $385 is "stuck" in the Roth IRA until it is either withdrawn early (with penalties) or withdrawn normally later on in life.

thanks for clarifying.
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