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How Early Retirees Handle Roth IRA Withdrawal Rules
In this episode of The Financial Freedom Podcast, Lucas and Luna explore the often-overlooked Roth IRA withdrawal rules that early retirees need to master. While many know about the five-year rule for conversions, fewer understand the ordering rules that dictate whether contributions, conversions, or earnings come out first — and how getting this wrong can trigger taxes and penalties. Lucas walks through a concrete example of a 40-year-old who has been doing Roth conversions for five years, showing how penalty-free access to contributions and converted amounts works in practice. They also…
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