Talking about RMD. I am over 70s I have not been converting from my IRA to ROTH for the past 6 years. So I am free to withdraw my ROTH without paying taxes. Yesterday I decided to convert my 2020 RMD To ROTH. I regret afterwards because I heard that all my ROTH will be subject to 5 years rule and have to pay penalty and taxes if I withdraw less than 5 years. Is this true?