How an Inherited Roth Can Double in the 10-Year Window the SECURE Act Allows
Key takeaways
- A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality.
- Dave Ramsey, on the April 10 episode of The Ramsey Show titled "Start Telling Your Money Where To Go," made the case for converting traditional retirement accounts to Roth as a legacy play:
- "Let s take a million dollars and they hold that seven years after you die because they don t have to withdraw it under the Biden rule, it s going to double.
How an Inherited Roth Can Double in the 10-Year Window the SECURE Act Allows Anastasija Vujic / Shutterstock.com Danielle Liverance Mon, June 1, 2026 at 7:35 PM GMT+7 5 min read Quick Read Roth conversions protect heirs from forced 10-year IRA withdrawals that trigger ordinary income taxes up to 35-40% on high earners, while inherited Roth IRAs compound tax-free for the full decade with zero tax due at withdrawal.
A $1 million traditional IRA inherited by a high-earning heir generates $300,000+ in cumulative federal and state taxes over the 10-year required drawdown, whereas the same amount in an inherited Roth produces $0 in taxes.
A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here.