So @dmertz I'm now a bit lost haha.
Just wanted to clarify and understand this.
I will owe no taxes or penalties if I do this
-selling the mutual funds in my Vanguard Roth IRA of (Taken out so far $38,070.55) $39,000 and directly ACH to my bank account I should have no penalties or taxes.
-Taking the last 10k out as first time home buyers exemption account will only have $137.82 left.
I will owe taxes and penalties if i do this
- File a return of contribution with Vanguard for the 6k for this year.
Thank you for your time and patience with me
