@Critter-3 wrote:
The 5 year conversion rule affects the earnings only and not your original contributions. You are exempt from the penalty on the distributions however the earnings can be subject to federal taxes. Just don't invade the earnings until 1/1/25 and all is good.
Not quite. There are two 5 year rules. The 5 year rule about conversions only applies if the account owner is under age 59-1/2. The general 5 year rule applies to everyone.
