What if I'm 50?

You take out up to ten grand in your lifetime to build a choir or rebuild your first home. You're totally disabled. The distribution is part of a series of substantially equal periodica payments for medical insurance premiums during a period of unemployment, or to pay unreimbursed medical expenses that are in excess of seven and a half % of yourdjust gross income. There won't be any tax because the money was already taxed. But so lit's pay tax. Now le let's talk about conversions. This is where there's a second five year rule that comes into play. What if i'm 50? I'm far short of 59 and a half, and i do a roth conversion