{"id":24078,"date":"2026-04-20T22:47:11","date_gmt":"2026-04-20T22:47:11","guid":{"rendered":"https:\/\/incredipros.com\/?p=24078"},"modified":"2026-04-20T22:47:11","modified_gmt":"2026-04-20T22:47:11","slug":"what-to-do-with-an-inheritance","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24078","title":{"rendered":"What to Do With an Inheritance"},"content":{"rendered":"<div>\n<p>Are you ready for the greatest wealth transfer in history? Ready or not, it\u2019s already happening!\n    <\/p>\n<div class=\"BlogInsert-copy\">\n<p>Market chaos, inflation, your future\u2014work with a pro to navigate this stuff.<\/p>\n<\/p><\/div>\n<p>It\u2019s estimated that $70 trillion worth of assets will pass down from older to younger generations over the next two decades.<sup>1<\/sup>\u00a0That is\u00a0<em>a lot\u00a0<\/em>of money\u2014and some of it might be heading your way.\n    <\/p>\n<p>But if you\u2019re not careful, it\u2019s easy to let an inheritance go to waste.\u00a0In fact, more than one-third of all inheritors see no change or even a\u00a0<em>decline<\/em>\u00a0in their wealth after getting an inheritance.<sup>2<\/sup>\n    <\/p>\n<p>Did you catch that? Some folks are\u00a0<em>worse off<\/em>\u00a0after they inherit a financial windfall. But that doesn\u2019t have to be your story. Your inheritance has the potential to change your family tree forever\u2014so make it count!\n    <\/p>\n<h2>What to Do With an Inheritance: Before You Start<\/h2>\n<p>Receiving an inheritance from a family member should be a blessing. But if you\u2019re not careful, it can quickly become a burden. Here\u2019s our advice for making the most of your inheritance.\n    <\/p>\n<h3>Go Slow<\/h3>\n<p>Here\u2019s the deal: When a loved one dies, you\u2019re not thinking clearly enough to make major financial decisions.\u00a0And in most cases, you don\u2019t\u00a0<em>have<\/em>\u00a0to make any major decisions right away.\u00a0There\u2019s nothing wrong with letting your inheritance sit there for a while as you grieve.\n    <\/p>\n<p>If you received a lump sum of money, just park the funds in a money market account for a few months. Take a deep breath. Take some time to mourn. And then, when you\u2019re ready, you can focus and make a plan for your inheritance.\n    <\/p>\n<h3>Honor Their Legacy<\/h3>\n<p>As you start thinking about what you want to do with the inheritance you received, it\u2019s important to remember where it came from.\u00a0Think about all the hard work and sacrifice that went into making that inheritance possible. We\u2019re talking about a person\u2019s legacy here!\n    <\/p>\n<p>Ask yourself:\u00a0<em>Will this decision honor my loved one\u2019s memory?\u00a0<\/em>Keeping that top of mind will bring a sense of responsibility, accountability and intentionality to the situation and help you use your inheritance wisely.\n    <\/p>\n<h3>Build a Dream Team<\/h3>\n<p>When you receive a financial windfall like an inheritance, don\u2019t be shocked if all kinds of people come out of the woodwork to tell you what you should do with it. That\u2019s why you need to form your own \u201cboard of advisors\u201d\u2014a dream team of highly qualified professionals who can walk you through the inheritance process.\n    <\/p>\n<p>Depending on the type of inheritance you\u2019re getting, you might need to seek counsel from some pros, like an:\n    <\/p>\n<ul>\n<li>Certified Public Accountant (CPA) or tax advisor<\/li>\n<li>Insurance agent<\/li>\n<li>Investment professional<\/li>\n<li>Estate planning attorney<\/li>\n<li>Tax attorney<\/li>\n<li>Real estate agent<\/li>\n<\/ul>\n<p>Remember that these people aren\u2019t there to tell you what to do. They should be teachers who\u2019ll sit down with you, help you understand all your options, and guide you as\u00a0<em>you\u00a0<\/em>make decisions that are right for you and your family.\n    <\/p>\n<h2>What Do I Do With a Cash Inheritance?<\/h2>\n<p>When you boil it all down, there are three things you can do with your money:\u00a0give, save and spend. An inheritance is no different!\n    <\/p>\n<p>Just like you give every dollar an assignment in your monthly budget, it\u2019s important to do the same thing with your inheritance. If you don\u2019t tell your inheritance money where to go, you\u2019re going to end up wondering where it went!\n    <\/p>\n<p>Think of your inheritance as a pie that you\u2019re dividing into slices. Now, how you slice up your money will depend on your unique situation and where you are in the\u00a0Baby Steps.\n    <\/p>\n<p>Here are some of the slices you might include as you decide what to do with your inheritance:\n    <\/p>\n<h3>1. Give some of it away.<\/h3>\n<p>No matter where you are in the Baby Steps, giving should always be part of your financial plan! Give 10% to your church or a charity of your choice.\u00a0\n    <\/p>\n<h3>2. Pay off debt.<\/h3>\n<p>If you have any debt you\u2019re trying to pay off, use part of your inheritance to\u00a0fast-track your debt snowball. Eliminate as much debt as you can. If you can write a check and be debt-free tomorrow, do it! The peace you\u2019ll experience that comes from having no debt (maybe for the first time) is a great way to honor your loved one\u2019s legacy.\u00a0\n    <\/p>\n<h3>3. Build your emergency fund.<\/h3>\n<p>Having 3\u20136 months\u2019 worth of expenses saved in a money market account will help you turn major emergencies into minor inconveniences!\u00a0\n    <\/p>\n<h3>4. Invest for the future.<\/h3>\n<p>Believe it or not, you <em>are<\/em> going to retire someday. Investing a portion of your inheritance could help you build a solid nest egg for when the time comes. (We\u2019re going to talk more about how to invest your inheritance in a minute.) \u00a0\u00a0\n    <\/p>\n<h3>5. Pay down your mortgage.<\/h3>\n<p>Can you imagine having no more house payments? Using part of your inheritance to pay down your mortgage can move you closer to that finish line and save you thousands of dollars in interest!\u00a0\n    <\/p>\n<h3>6. Save for your kids\u2019 college fund.<\/h3>\n<p>There are plenty of ways to cash flow college without using your inheritance. But if you\u2019ve fallen behind on\u00a0saving for your kids\u2019 college fund, you could put some of your inheritance into an Education Savings Account (ESA) or 529 plan to catch up on Junior\u2019s college fund.\u00a0\n    <\/p>\n<h3>7. Enjoy\u00a0<em>some<\/em>\u00a0of it.<\/h3>\n<p>It\u2019s okay to set aside some of your inheritance to have some fun, but\u00a0<em>how much\u00a0<\/em>will depend on where you are in the Baby Steps. If you\u2019re still trying to pay off debt or build an emergency fund, for example, this slice should be smaller. Remember, you want to use this money wisely!\n    <\/p>\n<h2>How to Invest an Inheritance<\/h2>\n<p>If you\u2019re looking for ways to invest the money you\u2019ve inherited, here are three ways you can do just that:\n    <\/p>\n<h3>1. Good Growth Stock Mutual Funds<\/h3>\n<p>First off, you need to make sure you\u2019re making the most of your tax-advantaged retirement accounts\u2014specifically a Roth IRA, which will give you tax-free growth and tax-free withdrawals in retirement. What should go <em>inside<\/em> that Roth IRA? We recommend good growth stock mutual funds.\n    <\/p>\n<p>Growth stock mutual funds are great for long-term investing because they allow you to enjoy the growth of investing in the stock market while diversifying your portfolio (and lowering your investment risk) at the same time. \u00a0\n    <\/p>\n<p>But remember, you should\u00a0<em>never\u00a0<\/em>invest in something you don\u2019t understand. That\u2019s why you should always talk things over with an\u00a0investment professional\u00a0you trust who can walk you through all your options.\n    <\/p>\n<h3>2. Low-Turnover Mutual Funds (Index Funds)<\/h3>\n<p>If you\u2019ve already maxed out the contribution limits for your tax-advantaged retirement accounts, invest in low-turnover mutual funds (like index funds) through a brokerage account, also known as a taxable investment account.\n    <\/p>\n<p>While brokerage accounts don\u2019t have the tax advantages that regular retirement accounts offer, there are no contribution limits\u00a0<em>and\u00a0<\/em>you can take money out at any time (without penalty)\u2014so that\u2019s a plus!\n    <\/p>\n<h3>3. Real Estate Bought With Cash<\/h3>\n<p>Depending on the size of your inheritance, you might be able to purchase a rental property outright. But hear us on this: If you don\u2019t have enough money to pay cash for a rental property, don\u2019t buy it.\u00a0<em>Never borrow money for a rental property.<\/em>\u00a0\n    <\/p>\n<p>If you have the cash to spare,\u00a0contact a real estate professional\u00a0who can help you find a great deal with plenty of income potential.\n    <\/p>\n<h2>What to Do With an Inherited IRA or 401(k)<\/h2>\n<p>And speaking of investments, you might be wondering what to do with money that\u2019s already invested inside an IRA or 401(k) your loved one left behind.\n    <\/p>\n<p>The truth is, your options might differ depending on how you\u2019re related to the original retirement account owner. If you\u2019re a\u00a0<em>surviving spouse<\/em>\u00a0receiving an IRA or 401(k) as an inheritance, you have some flexibility on how to handle those funds. If you\u2019re\u00a0<em>not\u00a0<\/em>a spouse, your options are somewhat limited.\n    <\/p>\n<p>Generally, you have three options to choose from, so let\u2019s break each one of those options down one by one!\n    <\/p>\n<h3>Option 1: Take a lump sum payment.<\/h3>\n<p><em>This option is available for everyone.<\/em>\n    <\/p>\n<p>This option has some advantages, especially if you\u2019re trying to pay off debt or build an emergency fund, but it also comes with some drawbacks. The good news is you can take the lump sum payment without taking a 10% early withdrawal penalty and you\u2019ll have access to that money right away.\n    <\/p>\n<p>The bad news is that you\u2019ll have to pay taxes on the money if it was in a tax-deferred account\u2014like a traditional IRA or traditional 401(k)\u2014and lose out on any potential future growth from keeping the money invested.\n    <\/p>\n<h3>Option 2: Open a brand-new inherited IRA.<\/h3>\n<p><em>This option is available for everyone. <\/em>\n    <\/p>\n<p>An inherited IRA is a\u00a0<em>brand-new account<\/em>\u00a0that will be opened in your name, using the funds from the original owner\u2019s IRA that was left to you. When someone close to you passes away and leaves funds from an IRA or employer workplace retirement plan to you as an inheritance, you\u2019ll roll those funds over to an inherited IRA. Simple!\n    <\/p>\n<p>The great thing about inherited IRAs is that it allows the money that was in the original owner\u2019s retirement account continue to grow tax-free (Roth) or tax-deferred (traditional).\n    <\/p>\n<p>However, you won\u2019t be able to make any additional contributions to the inherited IRA and most beneficiaries\u2014like children, parents and other loved ones\u2014must empty the entire account within 10 years of the death of the original account holder. (There\u00a0<em>are\u00a0<\/em>exceptions if you\u2019re a minor child, chronically ill or disabled, or no more than 10 years younger than the original owner.)<sup>3<\/sup>\n    <\/p>\n<h3>Option 3: Transfer the funds into your own IRA (spouse only).<\/h3>\n<p><em>This option is only available for surviving spouses. <\/em>\n    <\/p>\n<p>If you inherited an IRA from your spouse, you have an extra option that isn\u2019t available to anyone else\u2014it\u2019s called the \u201cspousal transfer.\u201d This exception allows you (the surviving spouse) to move the funds from your spouse\u2019s retirement account into your own existing IRA.\n    <\/p>\n<p>Once the money is in your existing IRA, those funds will be treated like the rest of the money in your IRA. That means the inherited money will now be subject to the same rules for withdrawals, contribution limits and penalties. For example, if you\u2019re under age 59 1\/2 and decide to take the money out of the account, you\u2019ll have to pay the early withdrawal penalty.\n    <\/p>\n<p>There\u2019s no sugarcoating it\u2014inheriting a retirement account can get a little tricky and confusing. Whether you are a spouse or not, you should definitely\u00a0get in touch with a financial advisor\u00a0<em>and<\/em>\u00a0a tax professional\u00a0who can help you walk through the pros and cons of all your options so that you can make the choice that makes sense for you.\u00a0\n    <\/p>\n<\/p><\/div>\n<div>\n<h2>What if I Inherit a House?<\/h2>\n<p>Okay folks, you\u2019ve got three options if you inherit a house:\u00a0sell it,\u00a0rent it out, or\u00a0live in it.\n    <\/p>\n<h3>Option 1: Sell It<\/h3>\n<p>Usually when someone inherits a house, it\u2019s worth more than it was when the original owner bought it. If that\u2019s the case, you automatically receive something called a\u00a0<em>step-up in basis. <\/em>Basically, that just means you get to inherit the house without having to worry too much about capital gains taxes if you decide to sell the house.<sup>4<\/sup>\n    <\/p>\n<p>Here\u2019s how it works: Let\u2019s say your mom\u2019s house was worth $175,000 at the time of her death. For tax purposes, the value of the home at the time she died becomes what you \u201cpaid\u201d for it\u2014that\u2019s the stepped-up tax basis.\n    <\/p>\n<p>So, if you decide to put the house on the market right away and it sells for $175,000, you wouldn\u2019t owe\u00a0<em>any<\/em>\u00a0capital gains taxes on it. But if you sold it a year later for $200,000, you would only pay capital gains taxes on the $25,000 difference between the selling price and the amount the home was worth when you inherited it ($175,000).\n    <\/p>\n<p>We know that\u2019s\u00a0<em>a lot<\/em>\u00a0of information to take in! If you\u2019re confused or overwhelmed, we\u00a0recommend getting in touch with our\u00a0RamseyTrusted<sup>\u00ae<\/sup>\u00a0pros. Our network of tax advisors and real estate agents can help reduce the stress of figuring out what to do with an inherited house.\n    <\/p>\n<h3>Option 2: Rent It Out<\/h3>\n<p>Renting out the house\u00a0could provide an extra source of income for you and your family and be a great way to build savings, pay off debt, or invest for retirement.\n    <\/p>\n<p>But renting out a house also comes with some challenges\u2014it\u2019s not what some people call \u201cpassive income.\u201d The ongoing upkeep and maintenance, along with more complicated taxes, could end up being more trouble than it\u2019s worth. You also have to decide whether to maintain the property yourself or hire a property manager to do it for you.\n    <\/p>\n<p>Discuss your options with a\u00a0real estate pro\u00a0who can guide you on what makes the most sense for your situation. Either way, don\u2019t make the decision solely on emotion.\n    <\/p>\n<h3>Option 3: Live in It<\/h3>\n<p>If you inherit a house that\u2019s paid for and decide to live in it, you\u2019ll have no mortgage payment. That means you can make some serious headway on your financial goals with that extra cash!\n    <\/p>\n<p>Keep in mind, though, that moving into an inherited house means you\u2019ll be taking on the financial responsibilities that come with homeownership. When the air conditioner breaks in the middle of summer, it\u2019s on you to fix it! Not to mention you\u2019ll also be responsible for paying property taxes as the new owner. If you don\u2019t already have a solid emergency fund, use any extra cash to save up 3\u20136 months of expenses so you can cover anything that comes along.\n    <\/p>\n<p>Something else to think about: If you live in the house for at least two years, you can then sell it and make up to $500,000 in profit from the sale ($250,000 if you\u2019re single) without having to pay capital gains taxes.<sup>5<\/sup>\n    <\/p>\n<\/p><\/div>\n<div>\n<h2>What About Estate Taxes, Inheritance Taxes and Other Taxes?<\/h2>\n<p>Alright, things definitely get complicated when it comes to taxes associated with an inheritance, but stick with us here.\n    <\/p>\n<p>The federal estate tax is a tax on the transfer of a person\u2019s property after their death. The federal estate tax is only assessed on estates worth more than $15 million in 2026.<sup>6<\/sup>\n    <\/p>\n<p>As an inheritor, you\u2019re not on the hook for estate taxes\u2014your loved one\u2019s estate is. And even if the estate is subject to estate taxes, you don\u2019t have to worry about them because they\u2019re collected\u00a0<em>before<\/em>\u00a0the inheritance is passed to you.\n    <\/p>\n<p>Inheritance taxes\u00a0are a different story. Those taxes are imposed\u00a0<em>after<\/em>\u00a0you inherit your loved one\u2019s assets. There is no federal inheritance tax, but five states currently have one (Pennsylvania, Maryland, New Jersey, Kentucky and Nebraska). But even if your loved one lived in one of those states, many beneficiaries\u2014including husbands, wives, children and grandchildren\u2014are exempt from paying any inheritance taxes.<sup>7<\/sup>\n    <\/p>\n<p>When it comes to taxes, it\u2019s easy to get in over your head really fast. That\u2019s why you should include a qualified tax professional as part of your dream team. If you\u2019re looking for advice you can trust,\u00a0connect with a tax pro in your area.\n    <\/p>\n<h2>Make the Most of Your Inheritance<\/h2>\n<p>You\u2019ll probably only get one inheritance. Use it wisely! Like we\u2019ve talked about, this is definitely not a time to try to figure things out on your own. You need a team in place to help you make the most of your loved one\u2019s legacy.\n    <\/p>\n<p>A good financial advisor will help you navigate the emotions that come with receiving an inheritance as well as help you understand all your options as you decide what to do with it. Our\u00a0SmartVestor program\u00a0is a free and easy way to get connected with investing professionals in your area.\u00a0\n    <\/p>\n<p>\u00a0\n    <\/p>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/retirement\/what-to-do-inheritance\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you ready for the greatest wealth transfer in history? Ready or not, it\u2019s already happening! Market chaos, inflation, your future\u2014work with a pro to navigate this stuff. It\u2019s estimated that $70 trillion worth of assets will pass down from older to younger generations over the next two decades.1\u00a0That is\u00a0a lot\u00a0of money\u2014and some of it<\/p>\n","protected":false},"author":1,"featured_media":24079,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24078","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What to Do With an Inheritance | IncrediPros<\/title>\n<meta name=\"description\" content=\"Are you ready for the greatest wealth transfer in history? Ready or not, it\u2019s already happening! 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