### Comment:
&gt;Exceptions- The early withdrawal penalty does not apply to distributions that: Occur because of the IRA owner's disability. 
  
 surely there's something like this for the contribution limitations... retardation seems like a viable disability. my broker has a fiduciary responsibility to not let my yolo my IRA if I'm obviously retarded.

### REPLY:
#🤔 
  
 i smell an arbitrage here

### END.