[pgyanke]

If you move that roth to another financial institution the 5 year holding period—you have tohold a roth for 5 yrs before its tax free-—you have to hold it in THAT PLACE for another 5 yrs before you can take it out tax free!!

You are incorrect. The five-year holding period is only from the year of first contribution.

[Recovering Ex-hippie]

I just paid 1000 on taking my roth out last year.

I had the Roth in my 401 k for ten years. I moved to a Schwab account in 2021 and the clock for 5 yr holding period started over in 2o21. I took it out last year so it was considered under 5 yr holding