If you withdraw money out of a money market account and then take that money and put it all in a Roth IRA...do you still need to pay the tax on the initial withdrawl?

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No.

A money-market account is a personal account and withdrawals from it are not taxed.

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If you earned more than $10, you will get a 1099-DIV for a money market account active in 2025, and you have to report it.

It has nothing to do with a Roth IRA.

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