You can always withdraw the money you have contributed to a roth ira without paying taxes on the withdrawal because you have already paid taxes on the original contribution. if you are younger than 59 and a half years old and opened your roth ira at least five years ago, you can also withdraw up to $10,000 of your roth ira earnings (that is, money earned from your contributions) without paying any taxes on the earnings as long you: earned less than $100.000 the previous yearare currently marriedmoved out of your parents’ home in the last 12 monthswere employed at the time of the withdrawalare buying your first home