Inherited IRA Rules: What the 10-Year Rule Means for Your Taxes

Becoming Financially Confident · Oct 21, 2026 · 1h 3m

In today's episode, Ralph Estep Jr. and Juliet explain what happens when you inherit a $48,000 traditional IRA, plus a fake bank fraud text, rising home insurance costs, and small business cash flow.

In This Episode

✓ A fake fraud-alert text nearly gets Ralph's youngest son to call the scammers back

✓ Home insurance now costs more than property taxes in two-thirds of US counties

✓ 55% of small business owners say cash flow is their top problem

✓ Inheriting a $48,000 IRA: the 10-year rule and the tax bracket trap

✓ Self-employment tax: 15.3% on side hustle income and the four quarterly dates

✓…