When I entered the Code J on a ROTH/IRA distribution, it came up as taxable on this program.  The guy at Edward Jones was adamant that it was NOT taxable because the client has been putting in the required $6500 per year since 2009 and he was "just taking it out."  I can't find anything regarding Code J and it not being used for a First Time Home Buyer situation.  He actually used the funds for a new truck and was delighted with the purchase.  Now he is not delighted with the Tax hit!  Am I missing something here?