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My granddaughter is looking to - or perhaps already did - roll a 401k ROTH at a former employer into a new one with her current employer. She believes the 5-year clock is based on the new one, that it starts over. That seems to be what she is being told, and the wording of various web sources seem to say it that way.

However, my understanding has always been that it all measures from your first ROTH.

I referenced an IRS publication:

It is made after the 5-year period beginning with the first taxable year for which a contribution was made to a ROTH IRA set up for your benefit...

It says to a ROTH. I interpret that as any ROTH.

But this is taxes, as defined by congress and implemented by the IRS.

Thanks for any clarification, and potholes to look out for.
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