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Okay, I've read the articles, but I'm still not clear on something.

During the first five years of a Roth IRA, you can't withdraw your contributions or they'll be subject to the 10% penalty.

However, does this overrule the "exceptions" such as withdrawals for education, first home, etc. ? Obviously it's not a good idea to just put money in and then take it right out again, but if it's necessary, can it be done?
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