dmertz
Level 15

Retirement tax questions

To clarify what TomD8 said regarding the 5-year rule, the 5-year rule pertaining to distribution of earnings and the 5-year rule for conversions are two different 5-year rules for different purposes, neither of which applies to distributions consisting of your original Roth IRA contributions.  Only the 5-year rule pertaining to a distribution of earnings would potentially apply to an inherited Roth IRA.