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He pointed out that his tax rate will only go up from here on out and he's right. Depending on the total amount he has inherited from the IRA, it may be a smarter move to take bigger distributions sooner than later.

Especially with the tax rates due to increase back to the previous rates after 2025 (unless Congress passes a new law), he may want to consider emptying the entire account in or before 2025. It would probably only make sense to do so if he doesn't bump himself into the next bracket.


the problem with cleaning out the money is he pays taxes when he dumps it...and either spends it and gives up the opportunity to invest it or he invests it and pays taxes on his investment returns... take the minimum...let the money continue to grow tax free...then if he thinks he needs to spend the rmd so be it...he has an opportunity to do as he pleases at a much younger age...i hope he doesn't blow it!
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