I need some cash and I am thinking my best option is to take my original contributions from my Roth. From what I understand there is no tax liability if I don't withdraw the gains, just the contributions. I have a lot in my 401k, and a traditional IRA which have penalties for taking from those, so I feel good about what I am going to have in retirement. There is no downside to taking from the Roth. Am I missing anything? It will be about 30k withdrawal.