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September 14, 2025, welcome everybody to the Women and Money podcast, as well as everybody's smart enough to listen.

Susie O' here, and you get out that Susie notebook right here and right now, because this is a little bit of a masterclass on the five-year rule

when it comes to Roth IRAs, both contributory Ross as well as converted Roths.

And I'm only dealing with Roth IRAs today, everybody, just so you know. Are you ready? There are two different types

of Roth retirement accounts, and a Roth retirement account, as you better know by now,

is an account that is funded with after-tax dollars, and it grows and it grows, and if you meet certain rules, you can take out

everything tax-free later on. And it is those rules known as the five-year rule that screws everybody

up. So let's first begin with a contributory wrath. What is a contributory Roth? Just as its name says,

you contribute to it with after-tax dollars every single year. It's not coming from another account.

It is coming from your pocket into this account.

And the money that you contribute is known as your original contributions.

Now, while that money sits in there, obviously it's growing and growing.

The growth of your original contributions is known as earnings,

and it is your earnings that the five-year rule applies to, not your contributions.

Let me give you an example. You are 38 years of age, and you put in $7,000 with after-tax money,

you contribute it to your Roth IRA. At 39, you do the same thing. At 40, you do the same thing.

You have contributed $21,000 in over those three years.

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