Early Withdrawal

Question: If I withdraw contributions from my Roth IRA can I repay the withdrawal amount in a lump sum?

I understand that I can withdraw any contributions to a Roth IRA at any time for any reason without penalty. If I withdraw say $30,000 of prior contributions, can I put that money back in all at once at a later time, or must I abide by the annual contribution limits?

Answer: Your time limit to put the withdrawl back in would be 60 days from the time you received the distribution (call it a rollover). There is no rule that prevents you from changing your mind and redepositing a rollover back into the account you took it out of. But after 60 days you would be limited to annual contribution limits.

What can I do with a small amount of money in a Self Directed IRA?