These are exceptions for Roth distributions. Ordinarily you are penalized heavily (an extra 10% tax) if you take out the growth from your Roth IRA before age 59.5 (don’t do it!). The penalty isn’t applied, however, if you are taking money out for certain medical uses, higher education, or as part of a qualified first-time homebuyer’s down payment. There are a few other exceptions. See the tax code here.