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I want to withdraw Traditional IRA funds this month for potential use in 2025. I am am not 59 1/2 yet. I am debating doing a Roth rollover vs paying the 10% penalty now. I have rolled funds over in 2021, 2022 and 2023. If I do a rolllover this month and decide to withdraw those same funds in 2025 (paying the penalty), do…
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