After you file

Thank you for the response @NCperson!

 

Oh wow wait, where do I find this information?

 

Wow this is mind-blowing to me. 

 

So does that mean IRS won't even take my money? Since my withdrawal amount was less than my contribution?

 

Sorry if I may sound dumb at this point, I'm trying to keep my faith that I can still get my money back at some point this year.