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My 31 y.o. single son asked for advice about distributions from an inherited (trad) IRA & I think the master has surpassed the student. He received information about the IRA with an amount to be sent to him. (I think it is the first RMD). I suggested he get more information because he didn't really get all the info he needs to make a good decision - like the total that will be his.

However, he will be getting a 20% raise this month and pretty much has his retirement savings already well in hand. 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.

No debt, paid off car and likely to soon buy a house(he owned one before but hasn't since changing locations a few years ago) and already pretty much enjoying his life.

He is also likely to inherit more outside the IRA but no idea how much.

Suggestions ?
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