I'm 65, retired, and inherited a traditional IRA. I'm an "eligible designated beneficiary," and so can take distributions within a 10-year period, or over my expected lifetime. I am inclined to take the distributions over my expected lifetime, but possible future tax increases, which may begin in 2026, are complicating the decision making. If I were smart, I could use a spreadsheet and game out various tax rate increases vs earnings on money kept in the account.
Any thoughts? Are there any online tools for this?
