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@thedj Not after 5 years from a Roth conversion.

@pluemusica If it’s just to access the funds before 59 1/2, keep putting them in pretax retirement accounts and plan to use one of the methods described in that link I posted (most people use the Roth conversion ladder). There’s a lot to be said about the benefits of investing in retirement...

@pluemusica What do you want the money for and why do you have so much cash? There are ways to reach retirement funds before 59 1/2 if you early retire. If all you would do with it is put more money into CDs or money market accounts, absolutely not. If you want to get into real estate...