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Publication 590 is explicit: "You do not include in your gross income ...distributions that are a return of your regular contributions from (sic) your Roth IRA(s)." and "Unless one of the exceptions listed below applies, you must pay the 10% additional tax on the taxable part of any...

Kevin Brenner: I just finished The Last Chance Millionaire and am skeptical because of what appear to be omissions, errors, and mis-portrayals of the results of conventional methods of saving for retirement. However, I do believe we're about to get hammered on tax increases and am facing a...