Calcium and Dairy. Foods classified by the USDA as dairy products supply calcium to the diet. Calcium is stored in your bones, which makes them dense. Too little calcium in your diet can increase your risk of developing low bone density and fractures.
For example, say that your traditional IRA has a cost basis of $30,000 and is worth $100,000 when you take a $10,000 withdrawal. That means 30 percent of the withdrawal comes out of your cost basis and is tax-free; 70 percent comes from the remainder of the account and is taxable.
Buying a home and paying for college are also qualifying expenses. Withdrawals that are used to pay for college costs aren't subject to a penalty, but they could reduce your eligibility for financial aid. And you can withdraw up to $10,000 ($20,000 for couples) from an IRA for a first home purchase without penalty.