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...missed the first two years entirely but found that if Everything is distributed within 5 yrs..... no harm

Thanks for your reply, Ox...

I'd much rather wait for the 5 yrs to run, since I invested it in some current downers.

well..... i spread it over the three yrs to minimize tax since i didn't know if i could make up for missing the first two RMDs

if you can work out for the 'missing' yr, you'll be able to hold a long time (iirc, RMD on inherited IRA is based on the *heirs* age)

i don't see how what you're invested in matters
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