<prompt> Human: Im about to purchase a home and will need to put down more than 10k to cover the 20 PMI threshold. Im 25 years old and have 10k in my roth IRA and about 60k in ETFs and mutual funds.My question is: Should I be utilizing the First Time Home Buyer exception and empty my roth IRA or should I be liquidating my other investments to make the down payment?My thought is it makes sense to use a penalty free withdrawal of the IRA and its earnings although Im uncertain the earnings wont be taxed?.Id love your insights here, thanks!  <response>: Dont withdraw from retirement accounts. Youre stealing from future you. 