I'm 75 years old, and did my first traditional IRA to Roth IRA conversion on 12/31/2021. I know there is a 5 year rule regarding when I can access the funds I converted -- but I think, since I'm over 59 1/2, that 5 year rule does not apply to me -- and I need to verify that. Is it true, I could access that Roth money penalty-free tomorrow if I wanted to, since I did the conversion when I was well over 59 1/2?
