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I hope no one here ever has to withdraw money from a Roth IRA. You can withdraw your contributions tax-free, but you'll pay taxes and a 10% penalty on any gains earned. Only problem is, if you have migrated providers over the years, tracking of which money is which is probably lost. Good luck to ya.
@nocoursewalks It's so infuriating.
@acjay same goes for post tax contributions to a traditional IRA - if you didn't take the deduction for it, but didn't track that, they're going to assume it's all pre tax money.
(I could be getting something wrong there. I wish this was all way less complicated than it is.)