u/Farbio708

Let's assume you have $7,500 in Roth IRA contributions, $2,500 in personal savings, and need $10,000 to pay for something right now, BUT you could comfortably make back that $7,500 in savings over the next, say, 5 months, AND didn't/don't plan to contribute to Roth IRA beyond that.

Am I missing something, or could you withdraw the full $7,500 to make the bulk payment now, and then recontribute those funds over the next five months, with largely minimal downside, because you'd only miss a few months of interest, be subjected to zero penalties/taxes, and aren't losing out on any opportunity cost by wasting contributions because there's no displaced contributions that would otherwise be invested?