Beware of these costs if you take money out of your retirement plan to buy a home.
The IRS now makes it easy to roll over post-tax funds into a Roth IRA.
The CPA likely tried to help your mom, who qualifies to appeal the tax underpayments.
The rules are tricky when it's time to take money out of your 401(k) and IRA.
You won't owe taxes if you pay fees from your IRA. In fact, there may be other tax breaks.