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Originally Posted by Xazy
True, but still not tax free. I am a huge fan of the Roth though!
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How is it not tax free? Am I missing something? My understanding is that as long as you withdraw the earnings after age 59 1/2 and the account has been open for 5 years, those earnings are tax free. If you withdraw your earnings early, that's when you get hit with taxes and penalties, though there are some exceptions. You can always withdraw what you've contributed to the IRA at any time without penalty.