Hi all, I've got about $13k in a Roth IRA that I set up for my wife and we have been contributing to for the past few years. It's got $11k that we contributed directly, plus about $2k in growth.
My wife is starting a business (as a realtor) and needs the $11k to set up cover her startup and business expenses. How can she withdraw the $$ with the least amount of tax/penalty implications?
I haven't read up on this, so treat me like I'm a newbie :) Thanks!