Question $29$ of $40.$

Monique opened her first Roth IRA on November $10,2019.$ She would like to know the earliest date that she can withdraw

some of her money in a qualified distribution. She has not made any conversion contributions to the plan. She is not

disabled, is not eligible for the first time homebuyer exclusion, and has a date of birth of September $23\mathrm{.}1983.$

March $23,2023.$

January $1,2024.$

September $23,2024.$

November $10,2025.$