@epereira1059 none of your distributions will ever be subject to tax. Here is how it works:
if the oldest Roth IRA account has been opened for five years AND you are over 59.5 years old, none of the distributions are subject to tax.
it doesn't matter if you have multiple Roth accounts that were opened at various times. As long as the oldest one has been opened for five calendar years (meaning opened prior to 1/1/20 for the 2024 tax year), you are "golden".
New contributions don't have to wait five years either. You can contribute today and withdraw tomorrow at no tax or penalty on the withdrawal.
also, but it doesn't matter here, the way the IRS views distribution is that ALL contributions are distributed first, then all conversion dollars are distributed next and then and only then are earnings distributed.
