The taxpayer may not claim the Saver's Credit for three years. Mark for follow up Question 49 of 75. Jamie is 42 years old and received a $20,000 distribution from his Roth IRA, established in 2011. At the time of the distribution, the Roth IRA account totaled $33,748: $18,000 regular contributions, $10,000 taxable conversion contributions made in 2016, and $5,748 earnings. How much of his distribution is taxable and subject to the early distribution penalty? O $0 taxable: $0 penalized. $0 taxable; $2,000 penalized. $0 taxable; $20,000 penalized. $2,000 taxable; $2,000 penalized. Mark for follow up Question 50 of 75. In 2012 Pamalia invested $5.000 in a Roth IRA. In 2018, at age 60, Pamelia withdrew the entire balance, whic