[Caymus]

Originally Posted by CoachKandSportsguy

hmmm, that's not the opinion of Schwab nor Fidelity:

link Roth IRA Withdrawal Rules | Withdrawal From Roth IRA | Charles Schwab

Over age 59½
Withdrawals from a Roth IRA you've had less than five years.
If you haven't met the five-year holding requirement, your earnings will be subject to taxes but not penalties.

Withdrawals from a Roth IRA you've had more than five years.
If you've met the five-year holding requirement, you can withdraw money from a Roth IRA with no taxes or penalties.

From the text from schwab, appears that ONLY the roth IRA, even if unfunded, can be withdrawn from after the age of 5 years, regardless of when the conversions were deposited. .

ie, the sooner you open a ROTH IRA, regardless of funding, the earlier you can tax withdrawals without taxes

Wealth advisors vs random internet posters, wealth advisors win

Even Michael Whitaker?