@Notch352 - I did want to answer one of your first questions. Remember, this is an IRA, which means your grandmother did not pay taxes on the money that was placed into the IRA. In an Traditional IRA, those taxes get deferred....but they eventually must be paid. And since you inherited the IRA, it's your obligation to pay it.
It is best to stretch out the IRA over as many of the 10 years as you can - that can avoid bumping into a higher federal tax bracket - the smoother those distributions are, the less likely you will be forced into the next tax bracket. THe more you try to take out in the 1st year, the higher your tax bracket will be. it is a balancing act for sure!
what year did Grandma die? assuming she died in 2020 or later, then the 10 year rule applies. if prior to 2020, then you could stretch out the distributions over your lifetime (based on an IRS table).
