Topics

1

General Discussion / BAckdoor roth question

« on: May 18, 2020, 06:59:12 AM »

I have searched everywhere, yet I cannot seem to get a solid answer to this specific roth question. Backdoor roth articles give a to-do list, and usually start with "Open a Roth." one of the final steps is that you have to wait 5 years for the backdoor contribution to "season." As I understand it, all Roths must season for 5 years before one can withdraw any contributions, and we have had our Roths open for well over 10 years now. So my question is: since our Roths are already seasoned, if we should begin a backdoor Roth ladder this year, do these backdoor contributions have to season for five MORE years... or not? TIA.