qbteachmt
Level 15

The 5-year rule you are thinking of is not "that" Roth IRA, but having any Roth IRA open. The next 5-year rule has to do with contributions, and then there is one for conversions.

There are a bunch of rules for Roth distribution, including various 5-year rules:

https://www.investopedia.com/are-roth-ira-distributions-taxable-5220750

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