Real ChatGPT answer · index seedT9UTpqaBNr8completeFinance and banking · budgeting and savinginformational

What are the tax implications of withdrawing from a taxable brokerage account versus a Roth IRA to supplement a house down payment fund?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What are the tax implications of withdrawing from a taxable brokerage account versus a Roth IRA to supplement a house down payment fund?
2 real searches · 1 real-search pass
IRS Roth IRA distributions ordering rules contributions conversions earnings first time homebuyer $10,000 five year rule Publication 590-BGoogle ↗
OBSERVED
IRS Topic capital gains and losses short term long term net investment income tax 3.8 percentGoogle ↗
OBSERVED

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 conversions earnings first time homebuyer $10,000 five year rule Publication 590-B Google ↗
IRS Topic capital gains and losses short term long term net investment income tax 3.8 percent Google ↗
  1. Publication 590-B · irs.gov

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS Roth IRA distributions ordering rules contributions conversions earnings first time homebuyer $10,000 five year rule Publication 590-B
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
IRS Topic capital gains and losses short term long term net investment income tax 3.8 percent
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1