<prompt> Human: Hi,My understanding is that one can withdraw contributions, not earnings, after 5 years without penalty, correct? I did a rollover recently, would I be able to withdraw that after having the ROTH for 5 years, as well? Just want to know in case of an emergency. I dont plan to withdraw unless I had no other choice. Thank you.  <response>: You can withdraw any contribution to the Roth IRA any time.You can also withdraw up to your cost basis rollover, conversion, etc. after 5 years. 