Can you access a Roth IRA before 59.5?

Can you access a Roth IRA before 59.5?
Yes, if you know the rules.
Your contributions are yours.
You already paid tax on that money.
You can pull them out anytime, no penalty, no tax.

The earnings?
Those are locked until 59.5 and the account is five years old.

Made a conversion?
That has its own five-year clock too.

And whatever you do,
report it clean on IRS Form 8606.

Freedom comes with structure.
Learn the rules
Then use them.