This Roth Rule Can Cost You Years
Автор: Money Mechanics
Загружено: 2026-01-23
Просмотров: 1152
Описание:
You converted to a Roth. You paid the taxes. You waited until 59½. And you still owe a penalty.
How? Because there are actually TWO different 5-year rules for Roth IRAs — and most people only know about one.
In this video, we break down:
→ The 5-year rule for earnings vs. the 5-year rule for conversions
→ How the two rules interact based on your age
→ The IRS ordering rules for Roth withdrawals
→ Three scenarios: early retiree, new retiree, long-term planner
→ Why your Roth 401(k) has a separate clock
→ How to start your 5-year clock today
No opinions. Just the math.
⏱️ Timestamps:
0:00 - The Roth surprise
0:35 - The Unexpected Penalty
1:23 - Two Rules, Not One(The Key to Clarity)
3:33 - Three scenarios compared
6:31 - Playbook
📚 Resources:
IRS Publication 590-B: https://www.irs.gov/publications/p590b
Roth IRA Rules: https://www.irs.gov/retirement-plans/...
Roth Conversions: https://www.irs.gov/retirement-plans/...
This is video 11 of our Retirement Reality series — foundational knowledge for Americans planning retirement.
#RothIRA #5YearRule #RetirementPlanning #RothConversion #TaxPlanning #MoneyMechanics
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