Yes and sorry for the confusion! The ROTH account

Yes and sorry for the confusion! The ROTH account needs to be five years since you first opened and contributed to your Roth IRA, regardless of your age when you opened it -- before you can tap any "earnings" or penalties could apply -- there's a few exceptions. And yes, your contributions can be withdrawn at any time.

https://www.rothira.com/roth-ira-withdrawal-rules

Best,
R2R

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