qbteachmt
Level 15

"How much should it be?"

I didn't see the taxpayer's age.

"Roth was opened in 2021"

And it seems, unless there is another Roth account somewhere that was opened earlier, there is/are 5-year rules that weren't met, either (age of account, timeframe of basis contributions).

"I'm stumped on the penalty for early withdrawal."

I like to list the actions according to the timeline sequence. That helps identify penalties vs taxable actions.

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