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Problem 1: Lisa, age 46, needed some cash so she withdrew $58,000 from her Roth IRA. At the time of the distribution, the balance in the Roth IRA was $200,000. Lisa established the Roth IRA 10 years ago. Over the years, she has contributed $21,600 to her account. What amount of the distribution is taxable and subject to early distribution penalty?
Option 1: $0. Option 2: $5,800. Option 3: $36,400. Option 4: $58,000.
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