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When I look at Roth info, they say that you can't withdraw before 59.5 without penalties, and then sometimes there is one sentence about withdrawing contributions at any time. Is there a definitive link on that info?

IRS Publication 590. Look for the part on the ordering rules for "nonqualified" distributions.

Since Roth contributions are not tax deductible there is no tax consequence to withdrawing them. If you've withdrawn all your contributions any further nonqualified distributions will be subject to the 10% premature distribution penalty.

You can see how the calculation works in Part III of Form 8606.

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