I find the rules surrounding ROTH IRAs very confusing. All the articles I've seen mix ages of investors and ages of IRAs and IRA to ROTH conversions at various times together. I've never seen an article that addresses ONLY the rules for people over 65 who have been contributing to ROTHs for years. There's stuff about holds, and stuff about conversions, and I can't tell what applies to whom. I'm just trying to figure out how it all works so I can plan ahead for conversions and withdrawals, to minimize taxes in retirement.
