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RustedSoul sez:

<<What I was referring to was the "substantially equal payment" option on the regular IRA. Under this distribution option, there are no penalties under age 59.

In all the literature I have read, I could not find any indication of the "substantially equal payment option" for a Roth IRA.>>

I have no idea what you have read, but be assured that you may take distributions of Roth IRA earnings prior to age 59 1/2 under the "substantially equal periodic payments" prescribed by Section 72(t) of the Infernal (sic) Revenue Code. While you will escape the early withdrawal penalty in doing so, the withdrawal will be taxed as ordinary income because it is not considered a qualified withdrawal for Roth IRA purposes. Thus, it cannot be tax-free.


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