Does My Roth 401k Satisfy The 5-Year Roth IRA Rule?
About this episode
This episode discusses the implications of contributing to a Roth 401(k) and how it relates to the Roth IRA five-year rule upon rollover.
Have you been contributing to a Roth 401(k) for years and assumed that time counts toward the Roth IRA five-year rule when you roll it over? 👉 Book a call with me: https://www.rivertreewealth.com/get-started ✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers Email: jacob@rivertreewealth.com Website: https://www.rivertreewealth.com LinkedIn: https://www.linkedin.com/in/jacobduke Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast. DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only. 00:00 Roth 401k vs Roth IRA 01:24 Roth IRA Basics 03:25 Conversions Five Year Rule 05:34 Withdrawal Ordering Rules 07:57 Roth 401k Rollover Myth 10:32 Qualified vs Nonqualified 13:07 Nonqualified Rollover Breakdown 16:34 Qualified Rollover Treatment 22:18 Takeaways
More episodes of Retirement Answers
- Working One More Year is Costing You More Than You Realize
- How Much Cash Should You Hold in Retirement? (2026 Update)
Explore listener stats, chart rankings, contacts and more on the Retirement Answers podcast page.