@cspyon1 wrote:
Got it.
I don't work for the company anymore.
So, my ROTH IRA has nothing to do with the company.
I don't know why you are mentioning Roth IRA and "company" in the same sentence, so I'm concerned that one of us may be confused or miscommunication.
If your company opens a retirement plan for you, it might be a 401(k), 403(b), 401(a), or some other kind of qualified retirement plan, but it is not and never will be a Roth IRA. An IRA is an "individual" retirement arrangement, not sponsored by a company. You would go to your own broker to set one up. If you have a company plan, you can usually roll over or transfer the money into a private plan, but a company plan does not "turn into" a private plan when you leave the company.
The rules on withdrawing money from a private Roth IRA are fairly simple; you can withdrawn contributions tax-free at any time. Withdrawal of earnings is tax-free only if you are both (a) over age 59-1/2, and (b) the Roth IRA has been open at least 5 years.
The rules on withdrawing or removing money from a company plan are different.
