Thank you for your help mac_user22. I think Option3 probably works best for now A follow on question if I can do that here ..... So will the original Roth I set up in June 2020 with a contribution of $7000 for 2019 (because the deadline was extended in 2020 due to covid) and a contribution of $7000 for 2020, still count as my 5 year clock to start ticking for the Roth, even thou I technically didn't meet requirements to open one so I can get no earnings yet? I will be under the income constraints in 2022 so can start using it as planned at that time, but was hoping the clock would already be halfway done for my 5 years before I can access it. Is it technically still a Roth account, or will the IRS classify it as just a normal savings account because I was over the income limitations when I created it? THANKS
