Forgive me if this issue has been addressed recently. I have only been able to find literature from 1998. Do early withdrawals of contributions still avoid income taxes & 72(t) penalties? With the exception of rollover contributions withdrawn within the 5-year holding period, can contributions be taken out 'whole' at any time, for any reason?
Thanks,
John Fitz

Assuming you're talking about Roth IRAs, annual contributions can be withdrawn at any time without tax or penalty.