@ceruhl63 - You are *never* taxed or penalized for withdrawing your own Roth IRA contributions as my answer above says.
Read the IRS regulations for Roth IRA distributions.
<a rel="nofollow" target="_blank" href="
https://www.irs.gov/publications/p590b">https://www.irs.gov/publications/p590b</a>
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
