Can someone explain the Roth, 5-year rule?

[Anonymous]

I have a Roth IRA that was opened several years ago (15+). I have contributed yearly up to the annual limit including some years as Backdoor Roth. I'm over 60. If I decide to withdraw tomorrow, can I
(a) withdraw the entire amount (contribution + income) from this IRA since it was opened over 5 years ago, or
(b) do I have to stop contributing, wait for 5 years before I begin withdrawals (5 years after the last contribution), or
(c) is it more nuanced wherein, each contribution has its own 5-year clock and I'm allowed to only withdraw amounts that were contributed at least 5 years ago and any recent contribution is off-limits? If this is the case, how do I determine the growth associated with the most recent contributions?

[Anonymous]

I believe it's a) for you, but check this table or ask on the forum: https://www.bogleheads.org/wiki/Roth_IRA

[Anonymous]

There are multiple 5 year rules. This is a decent explanation

https://www.schwab.com/learn/story/what-to-know-about-five-year-rule-roths

[Anonymous]

Do you have kids and do you plan to leave money for kids? If yes and yes, leave it for kids? Roth doesn’t expire