Inheriting a $750k IRA at 60? Here's How Giving Cuts the Tax Bill in Half

Hank and Peggy are 60, still working, give $17,000 a year to their church, and just inherited a $750,000 IRA. The 10-year rule means it all has to come out by 2036. The do-nothing plan (take the minimum, let it ride, keep writing checks) pays $610,672 of tax over those ten years, $370,953 of it in one return. The same couple, same giving, living on the inherited IRA while deferring their paychecks and bunching five years of giving into a donor-advised fund, pays $323,849. The catch: they pay more tax than the do-nothing plan from 65 to 69, and a big chunk of what they keep is still pre-tax. Inherited IRA 10-year rule, 457(b) and 403(b) deferrals, donor-advised fund bunching, QCDs from an inherited IRA. Chapters 0:00 Who this is for 1:20 What we'll cover 1:42 The 10-year rule 2:01 Meet the Hills 2:41 What doing nothing costs 3:56 Money in motion 5:07 Move 1: live on the inheritance, defer the paycheck 7:03 Move 2: stock or cash 7:56 Move 3: five years of giving at once 9:28 The years the do-nothing plan looks better 10:00 2036: the bill comes due 10:43 Inherit after 70½? Use QCDs 11:08 By age 90 12:09 What I'd do 12:51 Send this to someone Watch next Your Church Giving Can Cut Your RMD Tax Bill 44% | QCDs After 70½ —    • Your Church Giving Can Cut Your RMD Tax Bi...   Retiring at 65 With $3 Million Saved (If You Give) —    • Retiring at 65 With $3 Million? The Medica...   Pre-tithe 10 years, max your Roth (DAF + Roth conversion) —    • 10 Years of Giving You're Doing Anyway Can...   Hypothetical example for educational purposes only. Not tax, legal, or investment advice. Demland Wealth LLC, state-registered investment advisor, Ohio & Indiana. Figures from a RightCapital projection dated 10/23/2026; 2026 contribution limits from IRS Notice 2025-67; scripture ESV. #inheritedIRA #10yearrule #donoradvisedfund #QCD #retirementplanning #christianfinance #GivMoar