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Greetings, Mmk357, and welcome. You asked:

<<Okay, say I have two Roth IRAs. I transfer some money from account A to establish account B and I do it in a different tax year from when I established A. Now at some later date I want to withdraw some money from account B. I can do this for whatever reason as long as I'm withdrawing original contributions and not earnings. But what do I consider to be the amount of original contribution? Is this criteria applied globally to all my IRA accounts or is the accounting done seperately for each account?>>

When making withdrawals all of your Roth accounts are aggregated and considered as one regardless of which you choose to for the withdrawal. The first money out is always considered your annual contribution money, which may be removed at any time for any purpose free of taxes and penalty.

In your example, just look at the money you have contributed out of your pocket over the past. DO NOT count money transferred into the second account as a rollover contribution taken from the first account. Thus, if you put $3K into account A and nothing into account B except the rollover money, then your total contributions amount to $3K, and that's the money you may take.


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