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My apologies if this has been covered before. I looked and didn't see it.

I'm 31, and have a daughter who'll be heading off to college (maybe) in 17 years or so. I've read the Roth articles, and I'm still not sure I understand all the rule governing them. My specific scenario is this:

Assume we contribute regularly to the Roth for the next 17 years. When our daughter is ready for school, we withdraw some of the money. I would be 48. Does the fact that I would be under 59 1/2 trump the exception for withdrawing earnings for higher education?

Thanks for any help you can offer!

M. Rodriguez
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