Are There Ways to Avoid the Ten % Penalty on Roth Iray Distributions?

The five year rule is really just in the context of taking out earnings on yor on your moneys. But what if it's not quite qualified and you need access to those earnings? Youe already depleted all your contributions. So now you hear you start to take out earnings. Is there a way to at least avoid the ten % penalty a while you're waiting to hit qualified status? The answer is yes. If any of these things happen, you can avoid the ten% penalty. However, you still have to pay tax until your first roth iray was funded at least five years ago.