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withdrawal penalties: Original post by Joe Andrews of Demand Media There are only a few ways to avoid a 10 percent penalty when withdrawing money from a Roth IRA before age 59 1/2. One of the few methods allowed by the IRS is to use the money for education expenses. However, there are a number of rules you need to follow before closing up your Roth IRA and writing a check to your school with Roth IRA funds.

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