I left the employer in Dec/2022 and I first contributed to this employer’s ROTH 401k in Mar/2022. I am under 59 1/2 age, and would like to rollover to ROTH IRA in 2023. Since this ROTH 401K account is held under 5 years, will I be charged 10% penalty when I rollover to ROTH IRA? if there will be 10% penalty, will the penalty charge on the earnings only or total amount including contribution? Thank you for the help!
