Most people know Roth IRAs are tax free.
What they do not know is the five year rule.
To take out earnings tax free, your Roth must be open at least five years and you must be fifty nine and a half.
Conversions start their own five year clock.
Inherited Roths follow it too.
Miss the timeline and you pay penalties.
Respect it and you unlock tax free growth with zero restrictions later.
The Roth only works if you play by its hidden rulebook.
