How Roth IRA Inheritance Rules Differ for Spouses vs Non-Spouses

Episode 30 of Roth IRA with Fexingo dives into a critical but often overlooked difference: how the IRS treats inherited Roth IRAs for spouses versus everyone else. Lucas and Luna break down the specific rules, including the surviving spouse's option to treat the IRA as their own versus the non-spouse's required 10-year distribution rule. They walk through real scenarios, explain why a non-spouse beneficiary might face a surprise tax bill on earnings, and highlight deadline traps like the RMD delay for spouses. The episode also covers the 2026 Secure Act 2.0 updates and practical planning tips. No fluff, just clear, actionable guidance for anyone who might inherit or leave a Roth IRA. #RothIRA #InheritedIRA #SpousalInheritance #NonSpouseBeneficiary #SecureAct2 #RequiredMinimumDistributions #TaxFreeGrowth #EstatePlanning #BeneficiaryRules #10YearRule #Finance #PersonalFinance #RetirementPlanning #WealthManagement #FexingoBusiness #BusinessPodcast #Podcast #TaxStrategy Keep every episode free: buymeacoffee.com/fexingo