Over the past 4 years, Cardi, age 28, has contributed a total of $20,000 to a Roth IRA. The current balance is $25,000. She was tired of renting, so this year she took a distribution of $15,000 for a down payment on a home. What amount of the distribution should she include in her gross income this year

$0

Explanation:

According to the scenario, computation of the given data are as follow:-

Contributed amount = $20,000

Distribution amount = $15,000

As we know,

Taxable amount = Distribution amount - contribution amount

= $15,000 - $20,000

= - $5,000

The contribution amount is $20,000 more than the distribution amount $15,000. So distribution amount is not taxable.

She included $0 amount in her gross income this year.  

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