Roth IRA withdraws

Good day Terry! My question is how are taxes applied when making a withdraw from a Roth. For discussion let me use this as an example. Let’s assume the following with simple math. I rolled over $100K on Jan.1 2026 from an IRA into a ROTH. I paid $25,000 of taxes from my cash account thereby leaving $100,000 in the ROTH on Jan 1,2026. Let’s assume that after the 5 year holding period I earned $ 20K for a total of 120K on jan 1 2031. My question is the following. If after 5 years I can withdraw the entire amount and pay no taxes. However what happens if after 3 years I only need to withdraw $50K . Does the $50K come out of the $100K I already paid taxes on or is the earning portion to date that get taxed first ? Or can I leave the earnings alone and use the earnings last after 5 years. For example, use the 100K during the five years and only tap the earnings at the conclusion of 5 years. Is there any strategies around this roll over concept where I can use the taxed dollars and when needed and wait it out to use the earnings amount after the five year holding period. My plan right now is that this is my annual need for 2031 if I make it that long. I will continue to roll over $100 K to the roth each year for the next 3 years since I am 3 years from RMD’s. I will still have to take RMD’s at 73 and forward. Thanks Terry. I listen every Wednesday to you on WGN radio. All the best to you.