Retirement tax questions

what year did you inherit this IRA?

If it is under the old rules, (before 2020) you have to take an RMD every year, based on your divisor.

Once set, your divisor reduces by 1 each year.

If it is under the new 10-year rules (after 2019) you do not.

You can take any amount or nothing, until the end of the tenth year.

 

Since you are asking questions I would assume it is recent, and you are under the 10-year rules.