My mom died in 2021 at the age of 94 and I was 67.
Her 2021 RMD was distributed to me because she hadn't taken it yet.
I did not take a distribution in 2021 or 2022.
I'm totally confused about the rules!
Do I -
1. Use the 10 year rule and deplete the account any way I choose but have it completely depleted by 2031?
2. Take RMDs starting in 2023 based on my life expectant using the IRS tables?
3. Some combination of the two?
Thanks for anyone's help clarifying!
Marilyn
