第225期：Roth IRA取钱到底要不要等够5年？Roth里面有backdoor转过来的钱怎么办？给你出道题，做对的请举手（下） 往期相关视频链接： 第224期：Roth IRA取钱到底要不要等够5年？什么情况要交税和罚金？CARES法案有什么变化？ 第223期：今年要做Roth IRA conversion/Backdoor IRA？你要知道的几个陷阱 第61期：什么是 Backdoor Roth IRA? (Roth Rollover; Conversion; Transfer) 上期 第133期：Backdoor IRA 下期：Backdoor IRA 会不会被双税？Backdoor IRA的计算及税务筹划 第132期：Roth IRA 取钱规则：到底要不要等够5年？腾出时间回复网友评论 相关链接： 关于Roth IRA取钱的税务问题和8606表： CAREs 法案IRS的相关Q&A ***************************************************************************************************** 大家好！欢迎通过如下链接加入会员“谈钱也谈情”(Money & Life)：会员福利包括会员专属视频、频道更新等等。谢谢大家的支持和鼓励！ 如果您想“和我一起来谈钱”，欢迎写电邮到 AskWei@chattymoney.com 来信请在标题注明“访谈”。正文内容请大致介绍您在哪方面有心得体会/经验教训/投资机会/理财历程，或其它一切跟钱有关系的有趣有料的话题。嘉宾不限纽约，我们可以远程face-time/电话会议等等。谢谢！ 如果您想帮我把频道做的更好，欢迎点击如下链接打赏/One time Donation - Thank you! Get a free stock from Webull (zero commission on stock and option trading; IRA accounts and more) by opening an account and depositing any amount today. Account opening Link: 美股券商微牛：在中国也可以交易美股！除中国、美国用户之外，还支持马来西亚、菲律宾、印度的用户。开户并入金 (无佣金股票、期权交易；IRA账户；中英文界面) 就可获免费股票（仅限美国用户）。不管你用不用，可以先拿了免费股票再说！开户链接： 推荐书目清单/Reading List ...(read more)
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Article: Should You Wait Five Years to Withdraw Money from a Roth IRA? What about Funds Transferred from a Backdoor Conversion? The Roth IRA is an excellent retirement savings tool, offering tax advantages that make it highly appealing to individuals looking to secure their financial future. However, there are some rules and considerations you should be aware of when it comes to withdrawing money from a Roth IRA. Additionally, if you have funds transferred from a backdoor conversion, there are specific factors to keep in mind. First and foremost, one of the key advantages of a Roth IRA is that qualified withdrawals are entirely tax-free. To ensure that withdrawals are considered qualified, the account holder must meet two main criteria: they need to be at least 59½ years old and have held the Roth IRA for at least five years. These requirements are known as the "five-year rule." The five-year rule creates an important decision point for individuals who are considering withdrawing money from their Roth IRA before they have held it for a full five years. It's crucial to understand that the clock starts ticking from the first day of the year for which you made contributions or converted funds into the Roth IRA. For example, if you made a contribution or conversion on April 1, 2021, the five-year countdown would begin on January 1, 2021. In general, it is advisable to wait at least five years before withdrawing money from a Roth IRA. By doing so, you can ensure that your withdrawals will be considered qualified, avoiding potential taxes and penalties. However, in cases of financial hardship or unexpected circumstances, you may need to withdraw funds before the five-year mark. In such situations, it's important to consult with a financial advisor or tax professional to understand the potential implications. Now, let's address the question of what happens if you have funds transferred from a backdoor conversion in your Roth IRA. A backdoor conversion involves converting traditional IRA funds to a Roth IRA, primarily used by high-income earners who are not eligible for direct Roth IRA contributions. In this scenario, the five-year rule applies to each conversion separately. When it comes to backdoor conversions, the general rule is that you need to wait five years from the conversion date to withdraw converted funds without incurring taxes or penalties. This means that if you have converted funds from multiple years, the five-year rule will apply to each conversion individually. It's essential to maintain accurate records and seek professional guidance to determine the eligibility of withdrawals. To summarize, it is generally advisable to wait five years before withdrawing money from a Roth IRA to ensure your withdrawals are considered qualified and remain tax-free. However, in cases of financial hardship or unexpected circumstances, it may be necessary to withdraw funds before the five-year mark. When it comes to backdoor conversions, the five-year rule applies to each conversion individually, and professional advice is recommended to determine withdrawal eligibility. Understanding the rules and regulations surrounding Roth IRA withdrawals, including the five-year rule and the treatment of backdoor conversion funds, can help you make informed decisions about your retirement savings. Consulting with a financial advisor or tax professional is always recommended to ensure you maximize the benefits and make wise choices regarding your Roth IRA. https://inflationprotection.org/%e7%ac%ac225%e6%9c%9f%ef%bc%9aroth-ira%e6%8f%90%e5%8f%96%e8%b5%84%e9%87%91%e9%9c%80%e7%ad%89%e5%be%855%e5%b9%b4%e5%90%97%ef%bc%9f%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%e9%80%9a%e8%bf%87backdoor%e8%bd%ac/?feed_id=128969&_unique_id=64e0a1b0109e1 #Inflation #Retirement #GoldIRA #Wealth #Investing #401k #Aftertax #AGI #asset #backdoorIRA #beforetax #caresact #cares法案 #Finance #FinancialPlanning #growtaxfree #interest #investment #ira #IRAconsolidation #IRAconversion #IRAtransfer #IRS #MAGI #ordinaryincome #passiveincome #paytoplay #personalfinance #pesonalfinance #pretax #rentalincome #Retirement #retirementaccount #Rollover #RothIRA #stockmarket #taxdeduction #traditionalIRA #unearnedincome #投资 #理财 #省税 #股市 #财务规划 #资产 #退休账户 #BackdoorRothIRA #401k #Aftertax #AGI #asset #backdoorIRA #beforetax #caresact #cares法案 #Finance #FinancialPlanning #growtaxfree #interest #investment #ira #IRAconsolidation #IRAconversion #IRAtransfer #IRS #MAGI #ordinaryincome #passiveincome #paytoplay #personalfinance #pesonalfinance #pretax #rentalincome #Retirement #retirementaccount #Rollover #RothIRA #stockmarket #taxdeduction #traditionalIRA #unearnedincome #投资 #理财 #省税 #股市 #财务规划 #资产 #退休账户
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