Roth IRA, Roth 401(k); First Home Downpayment

[NewbieHere]

This link is clearer.
What are the Roth 401(k) withdrawal rules?

It sounds like no, but you can borrow from 401k Roth.

But you can withdrawal the earnings from Roth IRA tax free, up to $10,000, if you hold it for 5 years. However you can also withdraw your contribution limit unrestricted.
http://www.schwab.com/public/schwab/...thdrawal_rules

But I think you can withdrawal money from regular IRA for down payment, up to $10,000. I need to find the link. In this link, it states you can go around the limit by withdrawing from a Roth IRA, as stated above.
http://www.schwab.com/public/schwab/...irst_home.html

[HappyTexan]

Originally Posted by Lux Hauler

Not necessarily. It is just generic opinion on how to manage retirement finances, without any knowledge of the details. With the information mentioned, how could one know that this person has not been maxing out contributions with 90% being of the tax-deferred variety? The balance of which is being used as savings/investment vehicle that is generating returns on top of an amount (up to $10k) to be withdrawn tax and penalty free for their first home purchase?

Because "this person" (me) is already retired, early retired.

I never touched any of my retirement money. I viewed my retirement accounts as "off limits".
I bought and sold property. I had other savings and investment accounts that I used for purchases.

It was just a comment, something for you to think about.

If you want to treat your retirement account as a slush fund against which to borrow then by all means do it.