Anyone know what the penalty is for early withdraw of Roth IRA?  I may or may not have a job soon, and if worse comes to worse, I might have to do that.

I think it's pretty bad.  You'll have to pay a 10% 'penalty' on top of the money being treated as 'income' and taxed accordingly.  I don't know about state taxes.

Is the IRA less than 5 years old?  If so there's no penalty.

Does this apply to all IRAs or just Roth IRAs?

When do I pay income tax on a Roth IRA?

Per Vanguard's Website [url=http://www.vanguard.com/VGApp/hnw/PersonalHome]Vanguard Website[/url] and a search on 'withdraw ROTH"

"Never—if you wait to withdraw investment earnings until after you turn age 59½ and you’ve owned a Roth IRA for the required 5-year minimum holding period. You can withdraw your contributions tax-free at any time.

But if you withdraw earnings before you reach age 59½ or you haven’t met the required minimum holding period, then you’ll have to pay income tax and usually a 10% federal penalty tax. (The penalty doesn't apply if you become disabled or if you die and the withdrawal goes to your estate or beneficiary.)"