How to withdraw contributions from a Vanguard Roth IRA

Getting your contributions out of a Roth IRA is easy and there are no nasty tax complications to worry about. I have my Roth IRA with Vanguard. Here is what I had to do.

1. Call Vanguard at 800-805-0614.
2. Verify your identity with the person that answers the phone.

3. Tell them you are calling to withdraw some of your contributions from your Roth IRA. They will then transfer you to a retirement withdrawl specialist.

4. You will be told that there may be tax implications, etc. They HAVE to say this regardless of whether or not your situation has any tax implications.

5. They ask if you want the money deposited into your attached checking account or if you want it in a different one.

6. They verify your request and tell you when to expect the sale and transfer of funds. It only takes 2 business days to get the money in your checking account.