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Subject:  Re: ROTH principal withdrawal meaning Date:  2/1/2020  1:35 PM
Author:  ptheland Number:  130036 of 131140

I was theorizing about taking contributions out of a Roth IRA before 5 years had passed. If I had contributed $3,000 from earned income, and converted $10,000 from a traditional IRA....and then in three years I planned to withdraw the $3, just might be a bit difficult to track.

No, it's not. You've just done all of the necessary tracking. You have $3k of contributions and $10k of conversions in the account. The first money coming out of your Roth accounts (all of your Roth accounts are combined for tax purposes) is contributions. So $3k in, $3k out, free of taxes and penalties.

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