Thank you, Collette, "Tax Expert, Attorney" for condescendingly and falsely telling me that I cannot withdraw my own contributions from my Roth IRA without a penalty.

[user17538294352]

I especially appreciated your concluding remark in your email: "You may choose to follow my advice, or choose to ask someone else. I highly recommend you trust professionals when they advise you." I would love to find a professional. Maybe there is one in the community.

[Opus 17]

This is a public forum. No one here can see your account, or know what other interactions you may have had on a different platform.  

There are indeed some situations where Roth IRA withdrawals are taxable, but if we are talking specifically about contributions (and not earnings or conversions), withdrawal of contributions is non-taxable.   However, you do need orderly records of your past contributions and withdrawals because, if audited, you would have to prove that you only withdrew contributions.  But, be careful because other Roth accounts (like a Roth-option 401k) may have different rules, and some people don't realize there is a difference between Roth IRAs and other accounts like Roth 401ks.