Converting a traditional IRA to a Roth feels like crossing the finish line on taxes, but retirees who touch that money at the wrong moment discover the IRS has a penalty waiting that turns "tax-free" ...
The Roth IRA contains two separate five-year clocks. One governs tax-free earnings, while the other governs the 10% penalty on converted principal. The 10% per-conversion penalty disappears entirely ...
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