I found this A Roth IRA can offer a tax-advantaged way to save for retirement. Although contributions to a Roth are not tax-deductible, earnings grow tax-deferred. And as long as certain conditions are met, earnings can be withdrawn tax-free. But if you need to take out money early you can face penalties, and the withdrawal might be subject to tax at your ordinary income rate, not as capital gains, which could be a lower rate.
So you guys are right under certain conditions. I apologize.
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