I'm 65 and made both SEP IRA and TRAD IRA contributions this year to existing accounts. They were set up two years ago; They both now say "LONG TERM" ... which technically they are. And I just made the new contributions prior to 4/15/19. Can I take out any amount I wish, knowing I'll be taxed as income, going forward? I could use some of the money that is just sitting in the money market right now that hasn't been allocated to any funds. I don't have a problem taking only what was contributed prior to 4/19, but I would have to find that info as the amounts are now combined. I don't want to touch the money that has been put into funds, just some of the money sitting in the Cash reserve