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Please help with this example
A 20 year old person puts in $1000 a year for 6 years (underage , clock met)
Near end of year 6 ($1000 was put in this year), the ROTH is worth $7000 ($6000 put in $1000 in gains)
How much money can be withdrawn?


There is no 5 year clock to be able to withdraw your contributions tax and penalty free.

By year, here is what you could have withdrawn tax and penalty free:

Year 1: $1000
Year 2: $2000
Year 3: $3000
Year 4: $4000
Year 5: $5000
Year 6: $6000

There is a 5 year clock on conversions. It applies to each year's conversion. If the $1000/year had been conversions instead of contributions, here is what you could have withdrawn tax and penalty free:

Year 1: $0
Year 2: $0
Year 3: $0
Year 4: $0
Year 5: $0
Year 6: $1000
Year 7: $2000
etc.

AJ
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