Hi Joe M NC,
This is an interesting question. When you roll over your Roth 401(k) to your Roth IRA, the 5-year rule for the Roth IRA applies to the amount converted. This means that the converted amount will be subject to the Roth IRA 5-year rule for tax-free withdrawals of earnings. You indicate that you started contributing to your Roth IRA over 10 years ago, and it meets the 5-year rule for tax-free withdrawals. However, the Roth 401(k) funds converted in 2024 will have their own 5-year clock starting from the date of the conversion.
Conclusion:
the original Roth IRA funds will not be affected, but the converted Roth 401(k) funds will have a separate 5-year period before you can withdraw the earnings tax-free.
Good luck to you!
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