re: Congress is considering big changes to the way you retire

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put a 10-year time limit on how long non-spouse beneficiaries can stretch out an inherited IRA.

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Are you dumb?

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No, but you are. That's been evident for years.

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Instead of being able to “stretch” over the lifespan of the recipient it’s now 10 years.

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Nope. That's only for a "spousal beneficiary."

The proposed change that janky called "bullshite" is for a "non-spousal beneficiary."

Under current regs, in most cases a "non-spouse beneficiary" who inherits an IRA after the original IRA owner has begun taking distributions only has FIVE years to "stretch out" the IRA's amount. Under the proposal, that will change to TEN years. ETA: At least that's how I read the article you linked in your OP. All of the proposed provisions are better for IRA owners and beneficiaries.

So the change makes it better for someone who wants to make the IRA last longer.

Dumbass.