Are you familiar with the five-year rule for Roth IRAs?

Or about the other five-year rule for Roth IRAs?

Or the other random rules and provisions around your ability to take money out of Roth IRAs.

I'm about to break it all down for you here in the eighth episode of the Retirement Planning Education Podcast.

Welcome to the Retirement Planning Education Podcast, where you can learn all about IRAs and Roth IRAs, employer retirement plans, taxes, Social Security, Medicare, portfolio withdrawal strategies, annuities, estate planning, and much more.

And now here's your host, Andy Panko. Welcome, everyone. Thank you for listening.

We got a great one today. This one is all about the ability to take money out of a Roth IRA without

tax or penalty. There's something called the five-year rule you may have heard of. There's actually a

whole other different five-year rule that may have heard of. There's actually a whole other

different five-year rule that can come into play with Roth IRAs and your ability to take money out

without tax or penalty. So I'm going to break it all down. There's more to it than just those,

unfortunately. There's more than just two five-year rules. So I'm going to to focus this on

Roth IRAs. Today's discussion would be specifically in reference to Roth IRAs. A lot of the rules and provisions discussed here apply just the same to Roth employer retirement plans, like a Roth 401K, Roth 403B, or Roth Thrift Savings Plan for federal employees. So I'll make mention when there is something

different or relevant to those plans, but otherwise, for the most part, the same things apply to

employer plans. Now, in addition to the two five-year rules, like I said, there's a host of other

conditions and things that need to be met or maybe met, you know,

exceptions to exceptions and things like that. And I'll break them all down with some examples.

Now, this is a complicated, convoluted topic. And I summed it all up in a one page handout that

breaks it all down, neat and pretty for you. You can find a link to it in the show notes.

There's on my business website, there's a free resources section that has this and a whole bunch

of other really good handouts and materials, all of which is freely available. You don't have to

give your email or any sort of information. Just click on it in the file downloads. There's no,

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