How the Roth IRA 5-Year Rule Works for Tax-Free Withdrawals

Lucas and Luna break down the Roth IRA five-year clock, explaining how it applies to contributions, conversions, and earnings. They walk through a concrete example: a 45-year-old who converts a $100,000 traditional IRA in 2026 must wait until 2031 to withdraw those converted funds tax-free. They also clarify the separate clock for direct contributions and the tricky rule for inherited Roth IRAs. By the end, you'll understand exactly when your Roth dollars are truly tax-free and how to avoid costly mistakes with early withdrawals. #RothIRA #FiveYearRule #TaxFreeWithdrawals #RetirementPlanning #RothConversion #IRAWithdrawalRules #FinancialPlanning #TaxStrategy #RetirementIncome #Finance #Investing #FexingoBusiness #BusinessPodcast #LucasAndLuna #WealthManagement #PersonalFinance #TaxFreeRetirement #RothIRAConversion Keep every episode free: buymeacoffee.com/fexingo