The Roth 5 Year Rule Is Really Two Rules
One clock decides whether your earnings come out tax free. A separate clock decides whether converted money comes out without a penalty, and they start on different dates.
Topic
roth
The Backdoor Roth: Who Actually Needs One
It is two steps and it is legal, and most people who ask about it can simply contribute to a Roth directly. For the people who cannot, one rule decides whether it is free or expensive.
Can You Open An IRA If You Already Have A 401k?
Having a workplace plan does not use up your IRA allowance. It changes one narrow thing, and people fold three separate questions into that one.
Roth Or Traditional: One Number Decides It
Strip out the noise and the whole choice comes down to your tax rate today against your tax rate when you withdraw. Everything else is a tiebreaker.
Compound, weekly
One money decision a week, with the arithmetic left in.
What the thing is, what it costs, and the sums worked out in full so you can check them. Free, no affiliate links, and you can leave in a click.
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