You have been investing in a Roth IRA since you were $27$ years old. You are now $58$ years old. You decide to pull money out for a Cruise, you are retired, and want to travel.

Group of answer choices

Since you have already paid taxes on this investment, there is no tax liability

Since your initial contributions were made after tax, there is no penalty

Since you made this investment after tax, and now you are retired, there is a limited $5\%$ penalty

Since you decided to withdraw money from your Roth before $591/2,$ regardless of paying taxes upfront, there is a $10\%$ penalty for growth earnings over your intial contributions