491 | Answering Your Questions on How to Access Money Before 59.5 | Sean Mullaney
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Roth 401k and Roth IRA Contributions and Access
Historic contributions from a Roth 401k can be transferred to a Roth IRA where it is separated into old contributions and earnings. The old contributions can be withdrawn first and combined with the annual Roth IRA contributions, providing a unique way to access funds. This strategy leverages the Roth IRA as a lifeboat for making Roth 401k funds accessible before reaching the age of 59 and a half.
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