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What happens when a spouse inherits an IRA?

Married people usually name their spouses as the beneficiary of their IRAs. so what happens when the surviving spouse actually inherits the IRA. Surviving spouses have options that non-spouse beneficiaries do not have, especially when it comes to taking Required Minimum Distributions. This video explains those options and gives guidance as to what is beneficial in what circumstances. 2023 UPDATE: Effective in 2023, the age when RMDs need to be taken has increased to 73. 0:00 Introduction 0:57 Assumptions and terminology 1:52 SECURE Act changes 2:10 Options for surviving spouses 3:38 How the options work, using examples. 5:56 Conclusion Watch this video to learn about Required Minimum Distributions:    • What is a Required Minimum Distribution?   This video is an overview of IRA Distributions in general:    • IRA 101: Traditional IRA Distributions   This video explains rollovers:    • IRA 101: Rollovers   Resources and Additional Information: IRS Publication 590-B: "Distributions from Individual Retirement Arrangements" (contains the life expectancy tables shown in the video): https://www.irs.gov/pub/irs-pdf/p590b... Bankrate.com: "Inherited IRA rules: 7 things all beneficiaries must know": https://www.bankrate.com/retirement/i... Kiplinger.com: "When a Spouse Inherits an IRA": https://www.kiplinger.com/article/ret... Kiplinger.com: "The Basics of Required Minimum Distributions: 12 Things You Must Know About RMDs": https://www.kiplinger.com/retirement/... The Tax Geek on The Site Formerly Known as Twitter: @taxgeekusa The Tax Geek on Reddit: www.reddit.com/r/askataxgeek Image Sources: Storyblocks.com Pexels.com The images of "Frank," "Lucille," "Phyllis," "Lawrence," and "Stanley," were generated by thispersondoesnotexist.com and any resemblance between these images and any person, living or dead, is coincidental and not intentional. Intro Music: "Bluesy Vibes" - Doug Maxwell - YouTube Audio Library Outro Music: "Modern Attempt" - Track Tribe via YouTube Audio Library DISCLAIMER: This video is for educational and informational purposes only. It is not intended to render tax advice or investment advice for individual situations. If you have questions regarding your particular situation, please consult with a qualified tax or investment professional. The information in this video is current as of date of publication, and is subject to changes.