You may not realize it, but there the money in your Roth IRA will be distributed in a particular order. The order is important as it will determine any potential tax consequences you may have when you take a distribution from your account. In a Roth IRA, there are generally four (4) classifications of assets within an account: (1) regular contributions, (2) taxable conversion and rollover amounts, (3) non-taxable conversion and rollover amounts, and (4) earnings on Roth IRA assets. Remember, that your contributions are tax-free, but that doesn’t mean that other money in the account is not taxable. Thus, for example, if you take a withdrawal that is larger than your contribution total in your account, that amount beyond your contributions amount will be taxable, especially once it dips into any taxable conversion/rollover money or earnings. Knowing that there may be a potential tax consequence should factor into your decision to make a withdrawal and consideration of how you much to withdraw. If you know you may get into taxable money and you are taking an early distribution, you may want to really think long and hard about whether you are making a good decision or if there is another place to get the funds you need. If you are considering doing a withdrawal from a Roth IRA, or just want to have an understanding of the type of money you have in your Roth IRA, you will want to speak with a certified financial planner or tax professional.