Roth IRAs have a 5-year rule. While Roth IRA contributions are able to be withdrawn tax-free at anytime, the earnings in the account must be maintained until you're 59 1/2 in order to qualify for a tax-free distribution. The 5-year rule would be relavent, for example, if someone was 57 years old and have never had a Roth IRA. This person would have to wait until they were 62 in order to withdrawn their earnings tax-free.
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