I opened a Roth IRA for $4,000 in 2006 and my wife opened one in 2006 for $4,000 with after tax money.  No more money was put in over the years, and no withdrawls were done for these until 2018.  I opened another Roth IRA in 2010 in the amount of $301.62. I then converted $10,000 from a traditional IRA in the same year into this Roth IRA.  In 2011, I rolled over $5,000 to a Roth annuity I opened from the 2010 Roth IRA.  Over the years until 9/2012, I deposited a total of $400 into my 2010 Roth IRA.  Also in 2012, I converted another $5,000 from a traditional IRA to the 2010 Roth IRA.  In 2013, I converted another $5,000 from a traditional IRA to the 2010 Roth IRA.  In the same year, I rolled over $1,000 from the 2010 Roth IRA to the Roth Annuity.  In 2014, I converted $5,644 from a traditional IRA to the 2010 Roth IRA.  No more deposits, conversions, or rollovers were done over the years and no withdrawls were done until 2018. 

In 2018, I withdrew $4,000 from the 2006 Roth IRA and my wife withdrew $4,000 from her 2006 Roth IRA.  I also withdrew $5,000 from the Roth Annuity and $10,000 from the 2010 Roth IRA.  This was all used to fund a new U/L policy.  No other  withdrawls were made.

Turbotax took me through a series of questions and I got it to the point that it sees this money isn't taxable for ordinary taxes, but it's telling me I have to pay a 10% penalty since I am not yet 59 1/2.  Am I really subject to this penalty? If not, how do I get Turbotax to recognize that?  I called the IRS and after a series of questions they asked me, they said it's not taxable.