How Much Do You Need in a Roth IRA at 58 to Replace a $120,000 Salary Tax-Free?

Quitting at 58 can sound straightforward if your savings are in a Roth IRA, but the timing rules can turn “tax-free” money into an IRS bill. For a 58-year-old earning $120,000 who wants to fund retirement this year, the article notes the Roth window for fully tax-free withdrawals starts at 59½ and also depends on holding the account for at least five years. It estimates that replacing the full $120,000 gross salary requires about $1.78 million at a roughly 6.7% yield in early November 2026 prices, while replacing $100,780 after federal taxes takes about $1.49 million. The piece highlights withdrawal ordering: contributions first, then conversions by oldest first, then earnings.