Real ChatGPT answer · index seed9ogMeQPiQXccompleteFinance and banking · retirement accountsinformational
What are the exact penalties for withdrawing earnings early from a Roth IRA for a first time home purchase right now?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the exact penalties for withdrawing earnings early from a Roth IRA for a first time home purchase right now?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
IRS Roth IRA early distribution first time homebuyer $10,000 5-year rule 120 days 2026 Publication 590-B Google ↗
IRS Roth IRA ordering rules contributions conversions earnings first home exception 10% additional tax Google ↗
- Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs) · irs.gov
- Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs) · irs.gov
- 26 U.S.C. § 72: Annuities; certain proceeds of endowment and life insurance contracts · uscode.house.gov
- Topic no. 451, Individual retirement arrangements (IRAs) · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS Roth IRA early distribution first time homebuyer $10,000 5-year rule 120 days 2026 Publication 590-B OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
IRS Roth IRA ordering rules contributions conversions earnings first home exception 10% additional tax OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |