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Hi everyone

I recall an older, but very informative, thread:

In it, there was the most clear discussion about the 5 year rule for Roth IRAs that I have ever seen. Alas, even with that terrific discussion, I have a lingering question:

If I start contributing to a Roth 401K now, and then (lets say more than 5 years from now), I separate from my employer, and am under 54 years old, can I withdraw contributions--tax and penalty free-- from that Roth 401k?

What if I immediately do a custodial rollover from Roth 401k to (brand new) Roth IRA? Same question: can I withdraw from the Roth IRA immediately, or does that start a 5 year clock for my Roth IRA?

I do not currently have a Roth IRA, but I do have a (pre tax) rollover IRA that I could do a conversion on, if that is a good idea (in terms of starting a 5 year clock on a Roth IRA existence)

Any advice very much appreciated!
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