After you file

Hello,

I don't know an answer to your question.  I am writing with a suggestion.

Withdrawing early from a Roth IRA can involve a 10% tax penalty on the amount withdrawn.

If you expect to need the money before 5 years, you may be better off not using a Roth IRA.

 

For Roth IRA details you can refer to IRS Publication 590b

https://www.irs.gov/publications/p590b

The section on Roth IRAs begins a little above half way down the document.

 

Additionally, IRS Publication 590b describes the order the money in an account is considered to be withdrawn.