What a quick reply Jenny!
1) I earn too much to simply make a Roth Contribution, so I do the Backdoor Roth Method. It's some extra legwork, but it's worth it.
2) Withdrawing also seems to me to be the best course.
3) I'm a little lost here, your knowledge is deeper than mine. I guess my concern is 1, having to pay the 10% penalty for withdrawing under 59 1/2, and 2, how I could calculate the exact number of gains I'd need to pull.
