Should I cash out my Roth IRA? Teacher Retirement?

[Stephanie Douglass]

Hi Bigger Pockets! 

I have about $6k in a Roth IRA. I just looked at my quarterly statement and I made $43 this quarter..... can anyone shed some light on cashing out an IRA.

I also have about $20k in my teacher retirement account. I'm phasing out of teaching and have gone part time this year thanks to my real estate income. This cash out is a higher percentage, penalty, but I can ultimately get a higher return. 

Thoughts or insights? 

Thanks!