I am over 59 1/2 and I have a Roth that has been open and funded for over 5 years. My income level allows me to contribute the full $6K per year. It seems to me that I should be maxing out my Roth contribution each year as every penny I make on Roth investments is tax free, correct? And there is also no limit on how much I can withdraw or when I withdraw. So, for example, I could have a dividend paying investment in my Roth that pays me quarterly, tax free, and I can withdraw those dividends for my use, also with no tax consequences or penalties. Am I correct?