qbteachmt
Level 15

Try this type of article:

https://smartasset.com/retirement/roth-ira-5-year-rule

There are multiple 5-year rules with Roth IRA.

Having any Roth IRA account, needs to have existed 5 years, even if the one being used is not that old.

Any conversion starts its own 5-year clock.

There are ordering rules with Roth IRA distributions.

https://dev-rlc-public-site.netlify.app/resources/roth-ira-distribution-ordering-rules/

Contributions are always taken first; conversions (if any) are second in order by year of contribution, with converted pre-tax assets taken first and converted after-tax assets taken second. Earnings are considered distributed last.

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