<<Why? It's your money either way. If it was tax-free money, sure. But you don't get the tax deduction and you pay a penalty.>>
It was just a way to have a pay an expected expense without a separate step of transferring the cash out of savings. I'm not sure why you even asked this question. Are you just trying to make me feel worse about this situation?
<<Yes, you need to remove the ineligible contributions. This is a special procedure and not the same as a regular withdrawal.>>
OK. I guess I'll see if I can find that procedure.
