Roth IRA vs Inherited IRA When Both Spouses Have Assets

Episode 21 of Roth IRA with Fexingo tackles a common blind spot among married couples: how to decide between funding a Roth IRA versus an inherited IRA when both spouses have separate retirement accounts. Lucas and Luna walk through a concrete case study—a couple with $250,000 in combined annual income, one spouse inheriting a traditional IRA worth $180,000, the other with a Roth IRA open for six years. They examine the required minimum distribution impact from the inherited IRA, the tax drag of forced withdrawals, and the strategic case for using the Roth IRA to offset future tax increases. The hosts also compare the 'stretch IRA' elimination under the SECURE Act and how the ten-year rule tilts the math. Specific focus: the blended marginal tax rate in 2026, the role of Roth conversions within the inherited account, and why most online calculators miss the interaction between the two account types. No fluff, just the numbers and the choice. #RothIRA #InheritedIRA #SpousalIRA #SEPIRA #SECUREAct #RequiredMinimumDistributions #TaxPlanning #RetirementAccounts #MarriedCouples #EstatePlanning #RothConversion #StretchIRA #TaxBracket #Finance #Retirement #FexingoBusiness #BusinessPodcast #WealthManagement Keep every episode free: buymeacoffee.com/fexingo