1. If you withdraw your Roth contributions of 2017 and 2018 and their earnings before April 2020, you are still liable for the excise tax of 6% in 2019.
2. Removing the funds in 2020 will make you liable for the penalty of 10% and income tax on the earnings only, not on the amounts you contributed.
3. Make sure that you are eligible for a Traditional IRA in 2019 taking into account your filing status and your MAGI. For this, please read this IRS document.
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