Date: Tue, 27 Mar 2007 07:51:07 -0500
From: "nina" 
Newsgroups: misc.invest.financial-plan
Subject: Re: withdrawal process from Roth IRA
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Ernie Klein wrote:
> You are correct (see IRS PUB 590).  You have to pay a 10% penalty

apparently this only applies to Roth IRAs funded with money from another IRA 
or 401k or such and does not apply to money I deposit from my paycheck or 
checks I send in during the year from after-tax money

there is also no tax on the withdrawal