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Widow, 68, Can Delay Required IRA Withdrawals Until 2031

Original: Her Husband Died at 74, Already Taking RMDs. She's 68, She'll Roll His IRA Into Her Own, and the IRS Won't Ask Her for a Dollar From It Until 2031

A 68-year-old widow whose husband died at 74, while already taking required minimum distributions, plans to roll his IRA into her own account. Under IRS rules for spouses under 72, she would not have to take required minimum distributions from the inherited money until 2031, letting the balance grow tax-deferred for years. The case highlights little-known retirement planning options for surviving spouses.

Why now: Spousal IRA rollover rules and RMD timing are a hot personal finance topic as retirees seek tax-deferral strategies.

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• Her Husband Died at 74, Already Taking RMDs. She's 68, She'll Roll His IRA Into Her Own, and the IRS Won't Ask Her for a Dollar From It Until 2031 · 24/7 Wall St.

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