GRFTFS: Inherited an IRA? This Mistake Now Costs a 25% Penalty

Miss one required withdrawal on an inherited IRA and the IRS can now hit you with a 25% penalty on top of the tax you already owe. On this episode: • The 10-year inherited IRA rule, finalized for 2025 — and exactly when annual withdrawals are required vs. optional • Why a Roth conversion can quietly double your Medicare premium two years later (IRMAA explained) • The life insurance gap costing 1 in 4 high-income households up to $400,000 in missing coverage • What to do with extra cash the month after your last debt payment — savings first, or invest?

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