Post #272 by Neuromancer on the Retirement Investing board

Personal Finance Topics / Retirement Investing

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" a spouse can treat the inherited Roth as their own and stretch withdrawals over their lifetime.

Your spouse, being younger, will enjoy many more years of tax free appreciation within a Roth inherited from you. Your spouse can resume converting their own IRA after you are gone."

All true and known. Upon my passing, she will have both Roths, her remaining IRA plus whatever remains of my IRA. In the meantime, we have to live on something, which is what we use my IRA for. As a spouse, mathematically, I'm not sure there's a difference. When I pass, it'll be all combined anyway (Roths combine and IRAs combine as her own).

For more complicated families, your point is worth noting I think.

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