u/EmploymentNo3590

As I understand, only withdrawls from an inherited IRA are treated as taxable income. This question is primarily directed at the capital gains within the Inherited IRA.

What I inherited, was a cash IRA earning interest in a Money Market Account, from a state with no income tax and, some other cash from an HYSA. I live in a state with Income tax.

The above probably covers my question... The rest is optional information...

I basically kept enough untaxable, inherited funds In a savings account, with a 3.44% rate, (as long as I keep the balance over $20k), to survive a year of unemployment (based on previous income), locked the rest up in a 4% CD, to deter spending but, hadn't considered capital gains until I did my taxes and, still wasn't concerned until someone spelled out the diffference between SPAXX and FDLXX in a state with income tax.

I opened the, Inherited IRA account with a different brokerage, invested the majority of that cash in various ETFs (mostly Bogelhead preferred Vanguards), Stocks, CDs (3mos-1yr) and left some liquid in SPAXX for potential withdrawls. I intend to leave as much as I can, in the account, for as long as possible, to let it grow.

I'm considering $3,000 a 2% withdrawl for this year, presuming it will be 1.5% or less by EOY. I saw a bogglehead suggestion about withdrawing 1-3% annually, over the 10 year withdrawl period, to lessen the tax burden.

Theoretically withdrawing more from the Inherited IRA now, has a tax advantage, since I don't intend to stay unemployed but, assuming the IRA gains are completely untaxed until withdrawl, it's probably advantageous to leave them be and deal with the tax bomb later.

I don't currently have an income outside of the capital gains on other inheritence that shouldn't push me above poverty but, when the inherited house sells (I can't do anything else with it) and, I start earning taxable interest income on that, it taxable income getting more risky. I want to convert that cash into a new home but, also wanted to let it grow for a couple of years, to see what happens with the housing market.

My husband asked to use the inherited home's sale, to pay off our existing mortgage but, I'm earning .5% or greater on savings than our mortgage rate and, we can write off mortgage interest so, It doesn't make financial sense to me.

I just realized I'm now legally married to someone with income, which puts a wrench in my "no income to tax," statement.

We've been together for 17 years but, got married at the end of last year and, still filed taxes separately for 2025. We have the option to file married jointly or separately next year. I have no idea what makes sense, and will probably need to consult a tax professional, for the first time in my life.

This comparison site (in general) might be useful to others, seeing as I am in the boat of never having owned an e-ink tablet. The above link is already filtered down to my top 3: Supernote Manta, Viwoods AI and Boox Note Max.

If you have used any of these devices, please weigh in.

I want to be able to write, draw, read and listen to audio books, from a library (not proprietary ::glares in kindle::), annotate (fill out PDFs), send email, create to-do lists and manage a calendar. I preferred something in color but, have since given up on that idea.

I want a "distraction free" tablet for productivity and, for the sake of spending $400+ I want more than a glorified notepad ::glares in remarkable:: Most tablets, in general, offer more for less but, they don't offer the "writing feel."

I cruised the internet/reddit, mentally filtering for uninformed opinions and stumbling upon "one more option," to the point that I have blown several hours of my life, trying to find my "Holy Grail," before finding this comparison site yet, I am still torn. Mobiscribe sounds great but, good luck finding one.

Here is my extremely limited pro/con list generating my personal deciding struggle:

- Supernote Manta: boasts stability, the ability to upgrade/replace internal hardware and battery but, still runs on Android 11.

- ViwoodAI: Looks like the most "affordable option" Offers many features that reportedly do not work offline and shows the potential for having free features converted to a subscription, in the future. Runs on Android 13.

-Boox Note Max: Honestly, I had added and removed Boox products from my mental list, based on other product reviews, before someone mentioned this model but, after I found this comparison site and was too exhausted to look deeper. Pro It's A4 Letter size. Con: It's 13.3 inches.

At this point, it looks like it should be easy. There's an app for that...

But the primary care doctor referred me to a specific doctor, that doesn't show up on the app that my doctor used to refer me. Look up the doctor on health insurance app, because they are in network and the app also offers scheduling that doesn't work. Look up the doctor on Google, go to the website, which has an appointment booker, But I can't even select the location, to select the time. Call the number on the site, the number is for a different office. Call the number on the health insurance app, different office. Call the number on Google, recording indicates it's the right number but, nobody answers the phone.