system
A chat on subreddit /r/wallstreetbets
human
yea IRA rollover and gradually do roth conversions until its all roth and then you can withdraw basis untaxed and free as much as you need. this is what happens when people are completely clueless on tax and retirement account rules

gpt
i thought you can always withdraw your basis untaxed since you put in taxed dollars and only pay penallty/taxes on the gains for early withdrawal.