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Does the minimum 5 year contribution period start as of the first Roth contribution, or there have to be 5 contributions in 5 years before earnings become tax-free?

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Does the minimum 5 year contribution period start as of the first Roth contribution, or there have to be 5 contributions in 5 years before earnings become tax-free?

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As soon as you make your first Roth 401k contribution, the 5 year period starts at that time. The 2nd 401k contribution you make (in the 2nd year) CANNOT be counted as the start of the 5 year period.

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