The 10 year rule means you must withdraw and close the account within 10 years, it does not mean you have to wait 10 years. You may withdraw any amount at any time for any reason.
Separately, because your cousin was after her beginning RMD year, you must withdraw an RMD each year that you have the account until you close it. Remember that an RMD is the required minimum amount you must withdraw, you could always withdraw more if you wanted to.
