 Right now, coming out tax-free has some qualifiers. So generally, it goes like this. If you put money into a Roth, that's your contribution. You need to track that on your tax form, and that's through an 8606 form. And so if you're under 59 1⁄2 and you want your money back to use for something else, you can take the original cost basis back out tax-free because it was always your after-tax money anyway. Now, as that money grows over time, there is a five-year rule.