This episode explains the SECURE Act's hidden 10-year rule for inherited IRAs and why waiting to withdraw everything at once can trigger a massive tax bill.Using a real example—an inherited $1 million IRA—the hosts show how spreading withdrawals (~$100,000/year) can keep you in lower tax brackets and saved one listener over $90,000 in taxes compared with a single lump-sum withdrawal in year 10.They also cover exceptions where waiting makes sense (low future income, charitable plans, Roth conversions) and emphasize creating a tailored withdrawal strategy with an advisor to minimize taxes.