<prompt> Human: So talking with my father last weekend. He claims that he will be getting taxed on his Roth IRA earnings and has been told this by his financial adviser. Given its a Roth, I was under the assumption that contributions and earnings are taken out tax free since contributions are already taxed. Anyone know what the hell my dads talking about or a situation where you would be taxed on Roth money in retirement?Edit: Just to be clear, yes, he did say it was a Roth IRA, and no, it will not be an early withdrawal. All of this crossed my mind when he said this.  <response>: Contributions can be taken out tax free at any time. Earnings can be taken out tax free starting at age 59 12. Earnings taken out before 59 12 will be taxed at the persons tax rate plus a 10 penalty unless using one of the withdrawal exceptions. 