u/INGWR

My long-lost closeted lesbian great aunt passed away, leaving us with a healthy windfall of approximately $125k in an inherited Roth IRA. It is my understanding according to Fidelity that 1) I do not need to do required minimum distributions but 2) I do need to cash it out within 10 years.

This does mean it needs to completely dissolve as an IRA correct? So I need to convert it to cash and then funnel that into my other index funds / ETFs as needed. Which is fine but I have a couple questions:

Does it really matter if I do that now or in 10 years? I already settled another account of hers that left us with about $80k in cash so we’re already taking the income tax hit on that this year. Am I correct that I will not pay a penalty on dissolving this inherited IRA? I also won’t pay taxes because it’s inherited and she held it for a very long time?

And then going further down the rabbit hole - we are interested in moving next year to a bigger house, will mortgage underwriters have a meltdown if we have such a huge “income” bolus this year? Should I wait to stagger the Roth IRA dissolving until after we get a house?

We have no financial burdens otherwise. We make almost $300k annually as of this year, cars are paid off, no student loans, no credit card debt, 401ks are thriving, and we have about $360k in savings. In our early 30’s.

Super stoked with everything this guitar has. Got a nice deal from Sweetwater too - came pretty much in tune out of the box with nice low action. Fishman Fluences, bone nut, locking tuners, scalloped frets, Hipshot bridge. Going to primarily be in drop G#.

Had to finish out this frame build with a set of the big dawgs

Frame: Five-Black, Size 58 Cockpit: ST31 carbon stem, 110mm Cockpit: HB16 carbon bar, 40cm Tape: Supacaz Star Fade Oil Slick Shifters: Force E1 Brakes: Force E1 Cranks: Force E1 Wide, 170mm Chainring: RED D1 48t Quarq Pedals: Look X-Track Race Carbon Derailleur: Eagle XX1 AXS Chain: Eagle XX1 Rainbow Cassette: Eagle XX1 Rainbow 10-50t Wheels: Reserve 40/44 with DT350s Tires: Schwalbe G-One RS Pro 45mm Cages: Arundel Mandible x2 Saddle: Prologo Dimension NDR, carbon rails

19.05 lbs with pedals, mounts, cages, chain catcher Tires measure 46.5 front / 45.5 rear on rim

I got the frameset brand new for about half price on Facebook and had nearly everything else on hand. Just had to buy brake hoses, BB, new chain, bar tape and cranks and I built it myself at home. It was a fun project and the integrated cabling was pretty easy, but I had prior experience integrating my Soloist and am reusing the whole cockpit from that. I’ve done a lot of my own maintenance but this is the first time I’ve done a whole build from the ground up.

Very pleased that it didn’t explode on me during the first ride lol

I’m getting ready to build up a 2026 Aspero-5 frame soon and I’m curious to hear what anyone else has done regarding their wheels and tires.

I love those Reserve 48/53 GRs, and that’s what I plan to get, but I think with their super wide width, I may have to be a little more conservative on tire choices.

I’ve seen the Bicycle Station boys not clear a 45 Pathfinder on the rear with a Zipp 303S, but I’ve also seen someone on Insta that ran a Maxxis Rambler 45 on the 53 GR with the slightest bit of room.

My ideal tire would be a pair of Caracal Race 45s, but would I be better suited to a 40 rear / 45 front?

Wonder if anyone else has experienced this – I started running this year as complement to cycling. It's been enjoyable for me but I have to be careful with pushing my joints/hammies/tendies because I have certain muscles overdeveloped from years of structured training as a cyclist but certain things that aren't worked as much in a static bike position.

This past weekend I ran 10 miles and pushed the last couple miles at a hard pace. I felt great but I noticed some discomfort above my ankle, and being too prideful to slow down, I pushed through it to almost the end of my run where I felt the pop above my ankle – think lower shin between the tib/fib. At that point I couldn't really put weight on that ankle. I RICE'd it and wore a brace or ACE wrap the first few days. Not much swelling though and no bruising. As of five days post-injury, I'm still not confident that I could run but at least by now I can stand on my toes. I can also feel something slipping over the joint when I rotate my foot.

Just to clarify - I did not over-rotate my foot at any point on my run. It was on flat, well-paved trails with fresh shoes. I am very familiar with lower ankle sprains from playing soccer.

My questions are:

• Have you ever experienced something like this where you 'sprained your ankle' literally by just running like normal?

• Would you stop running completely until there's no discomfort or tolerate some discomfort?

• Would you run with an ACE wrap or a more rigid brace? Or nothing?