Real ChatGPT answer · index seedCCFW3yxCRAocompleteFinance and banking · retirement accountscommercial
What is the penalty for withdrawing contributions versus earnings early from a Roth IRA if I am in a tight spot financially?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the penalty for withdrawing contributions versus earnings early from a Roth IRA if I am in a tight spot financially?
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 distributions ordering rules contributions earnings early withdrawal 10% additional tax exceptions Google ↗
IRS Publication 590-B Roth IRA qualified distributions five year rule contributions conversions ordering 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
- Topic no. 557, Additional tax on early distributions from traditional and Roth IRAs · irs.gov
- Retirement topics - Exceptions to tax on early distributions · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS Roth IRA distributions ordering rules contributions earnings early withdrawal 10% additional tax exceptions OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
IRS Publication 590-B Roth IRA qualified distributions five year rule contributions conversions ordering OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |