I not an accountant either but I believe u have to wait 5 years or be 59 1/2 years old that u can pull it out tax free if they started contributing to it now.
You can convert a traditional IRA to a Roth IRA. All the shares in your traditional IRA will be moved over to the Roth IRA. Keep in mind though that you will be taxed on the dollar value that you transfer. For example if you are transferring cash and/or shares worth $100K and you are in the 30% tax bracket, you will have to pay $30K in taxes when you file your 2020 return next year.
Once you convert and pay taxes on the amount converted, what resides in your Roth account is tax free. Your $100K - $30K(tax) = $70K could grow to millions of dollars and it will all be tax free.
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