Why Roth IRA Early Withdrawal Penalties Dont Always Apply

Episode 50 of Roth IRA with Fexingo: Lucas and Luna dive into the five exceptions to the 10% early withdrawal penalty on Roth IRA earnings. Using the example of a 40-year-old who needs $30,000 for a medical emergency, they walk through the rules for unreimbursed medical expenses, health insurance premiums while unemployed, disability, and substantially equal periodic payments. They explain how the five-year aging rule interacts with each exception and why knowing these rules can save you thousands. The episode includes a natural donation segment where Lucas ties listener support to keeping the show ad-free, directing listeners to buy me a coffee dot com slash fexingo. #RothIRA #EarlyWithdrawal #PenaltyExceptions #RetirementPlanning #SEPP72T #MedicalExpenseException #DisabilityException #Finance #FexingoBusiness #BusinessPodcast #TaxFriendlyStrategy #RetirementAccounts #IRAWithdrawal #PersonalFinance #WealthManagement #TaxPlanning #LucasAndLuna #RothIRARules Keep every episode free: buymeacoffee.com/fexingo