@jane833804 - you want to withdraw money from IRA and not pay taxes? what is your age?
if you are under the age of 59 1/2, there is a 10% tax penalty to withdraw, so the only way possible to withdraw and not pay more in taxes is that you are older than 59 1/2! (there are some circumstances where that can be waived, but if you are just withdrawing the money for your own convenience, then there are no waivers available)
WIth an income of #34,000 and filing joint, you are immediately in the 10% tax bracket, so any withdrawal will cost at least 10% in income tax (and then the 10% penalty noted above to be added to that).
and then there is state taxes....
