text:  You cannot touch until 59 1⁄2 before there would be a penalty. In addition, the account has to be established for at least five years. So there's a couple things that you have to look at. When you do it through your employer plan, it's the same thing. It is after-tax money, and you can access it. But here's my disclaimer. When it comes to employer plans, sometimes there's inside limits that the plan administrator sets up.