@twb-53 let me clarify this statement - it doesn't read the way I wanted it to read:
<<The EARNINGS are subject to INCOME TAX if any Roth you own has not been open for 5 calendar years.>>
What I meant to state is if ANY ONE Roth account that you own has been open for five calendar years, there is no tax on the earnings, even if those earnings are sitting in a Roth that has been open for less 5 calendar years.
