Inherited IRA Rules: What the 10-Year Rule Means for Your Taxes
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Inherited IRA Rules: What the 10-Year Rule Means for Your Taxes
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In today's episode, Ralph Estep Jr. and Juliet explain what happens when you inherit a $48,000 traditional IRA, plus a fake bank fraud text, rising home insurance costs, and small business cash flow.
In This Episode
✓ A fake fraud-alert text nearly gets Ralph's youngest son to call the scammers back
✓ Home insurance now costs more than property taxes in two-thirds of US counties
✓ 55% of small business owners say cash flow is their top problem
✓ Inheriting a $48,000 IRA: the 10-year rule and the tax bracket trap
✓ Self-employment tax: 15.3% on side hustle income and the four quarterly dates
✓ Which dollars to keep when you cut, and finding your first $25
If you've ever stared at a bill or a text and wondered what to do next, today's episode gives you a place to start.
Resources
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Year-End Personal Tax Review with Ralph:
https://www.becomingfinanciallyconfident.com/yearend
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Be on the show:
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FTC on 2025 fraud losses:
https://www.ftc.gov/news-events/news/press-releases/2026/03/ftc-testifies-joint-economic-committee-agencys-efforts-combat-fraud
Home insurance vs. property taxes (Bloomberg Intelligence via Claims Journal):
https://www.claimsjournal.com/news/national/2026/10/20/340815.htm
Fora Financial 2026 Business Insights:
https://www.forafinancial.com/business-insights/
IRS Publication 590-B (inherited IRAs):
https://www.irs.gov/publications/p590b
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Companies Mentioned
Bloomberg Intelligence
Fora Financial
NerdWallet
Duo Security
Google Authenticator
Bank of America
Apple
YouTube
Rumble
ChatGPT
Claude
