Thank you, that's a lot of info. 🙂 To boil it down, am I still obligated to pay an early distribution penalty since I'm not 59 and 1/2 years old yet? Does that penalty even have anything to do with my contributions having been taxed in advance? I just know that if I took out (early distributions) more than I contributed over a period of time, it seems I owe a hefty chunk to the IRS, and I'm trying to see if that's mandatory or if I'm just toggling the wrong button or filling in info I don't have to in Turbo Tax. I appreciate your help.
