### Comment:
This is wrong. You suffer the same penalties until you're 59.5, minus some exceptions. You can always access the money in a Roth IRA or traditional IRA at anytime. The 5 year is in addition to the 59.5 aspect. Your gains are taxable and penalized if you withdrawal before aging them at least 5 years AND being 59.5. But it doesn't matter cause you're taxed at your income bracket which is fuck all, so go for it.

### REPLY:
No there is no penalty on taking out Roth IRA contributions after 5 years. Growth sure. 
  
 Since you can convert traditional to Roth (pay income tax on the conversion) you can access the traditional gains without the penalty after 5 years in the Roth.  
  
 Fucking autistic retards in here 
  
 https://www.iwillteachyoutoberich.com/blog/roth-conversion-ladder/

### END.