你要看看inherited IRA规则，RMD马上开始

非配偶继承人，inherited IRA有三种方式取出

1，lump sum

2，RMD当年开始，按照预计寿命分摊

3，分五年取空

传不下去的

https://www.schwab.com/public/schwab/investing/retirement_and_planning/understanding_iras/inherited_ira/withdrawal_rules

see section of tradition non spouse inherits, under 70 1/2