Roth IRAs can be a great way to save for retirement, but there are a couple of five-year rules that Roth IRA owners need to understand. And while they sound similar, they apply to two very different situations. The first rule applies to many more Roth IRA owners and determines whether your earnings can be withdrawn tax-free. The second rule is more specific and applies to certain Roth conversions and early withdrawals. Let's break down the difference. Rule #1: The Five-Year R