<prompt> Human: Long, long ago, I joined the Navy in 2003 and began making contributions to the govs Thrift Savings Plan TSP Roth version. I left the service in 2011 with 25k in the account. Fearing instability in my finances afterwards I trusted a guy and rolled the money into a market annuity with a guaranteed 2 annual growth. Safe. Which was what I wanted. Trick is it comes with a withdraw early penalty based on time I think its now a 18 penalty. Theres 35k in the find now. Im 36 and need to withdraw funds to help with home buying costs. Can I withdraw funds or do I have to surrender the whole value losing roughly 7k? And, since Im nowhere near 59.5y any idea how much Id lose from gov fees and penalties?Not really sure how to ask. No one out there seems to have this troubles. Thanks.  <response>: dont raid your retirement for a house. you have already made several mistakes here, dont add another one to the pile. 