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hey its eric powell with the future mill lets talk about the inherited ira now the secure act came out in january 1 of 2020 and what happened with this is that spouses if they inherit an ira and a few others which ill go into in just a minute they are actually able to continue to do the inherited ira as previously done the problem is for non-spouses if you are a non-spouse the government has basically put a rule or a law into place that is saying hey we want to get money from this inherited ira because the taxes have not been paid yet theyre going to force you to withdraw money out so i am going to teach you how to do that but then i also want to show you probably one of the best tax strategies that will save you a lot of money in taxes for a spouse who inherits an ira or a 401k that is tax deferred you are still going to be able to stretch this out now also others that can stretch this out are minor children and people that are less than 10 years younger than the person who is now