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ROTH Tax Hit

I've got a money in CDs that I'm tired of paying taxes on every year. I've not been keeping up w/ my ROTH deductions (contribute to 401K at work). I'm thining of converting some of the CD money, say 5$K for starters, even though I may need it in less than five years. I know I can w/d the principal at any time w/o penalty but what are the penalties on the profits Read Entire Article