Roth IRA Withdrawal Rules, The Roth 5-Year Rules, Roth Conversions Explained SIMPLY
4.3K views · Jul 4, 2026 · Education
Comments · 24
@Growing-Our-Retirement · 2 months ago
So complicated! We switched to making mostly ROTH contributions, it’s a good bucket and will be the last money we spend. Fun having Uncle Sam as your perpetual partner, we have done a good job keeping Uncle Sam going! Thanks for the great video!
3
@patcurrie7808 · 1 month ago
Closing out a smaller 403b we have: 7200/yr, paying taxes on 7200 and adding to the 2000 from savings to stay under the 8600 limit.
@BrittMFH · 2 months ago
I maxed out my Roth IRAs in my working years, have no traditional IRA. Can one do a backdoor from a tax-deferred investment other than an IRA?
22
@stevefabian9003 · 2 months ago
Thank you for the information!
@OrsonBeaumont · 2 months ago
Thank you for me ❤❤
@stevelockridge9052 · 1 month ago
Is there by chance an IRS publication that explains access to the earnings as clearly as you do?
@RodHardin · 2 months ago
Many thanks! Even though you and many more clearly describe the 5 year rules there are still way too many accountants and other financial professionals that insist that I keep track of every Roth conversion that I started 10 years ago and finished last year. I am over 70 and my Roth IRA has been open for well over 5 years.
@ShimmyD-u7g · 3 weeks ago
Question: I am currently age 55, and have been contributing to a pre-tax 401k and also contributing to a 401k Roth since 2006. When I retire at age 65, my 401k account will convert to an IRA, and I imagine the 401k Roth portion converts to a separate Roth IRA. Does my 5 year timer start at age 60 when I retire and my 401k Roth becomes just a Roth IRA? Note: I do not have a separate Roth IRA account at this time.
@clarem3808 · 2 months ago
IF you do a contribution from your paycheck into a roth acct (available in addition to 401k) and you plan on doing more conversions when you retire in three years....does every conversion have to wait a five year waiting period before it can be utilized (the base amount and the earnings) or is that a non factor if you are over 60?
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