Suze Orman's Women & Money (And Everyone Smart Enough To Listen) Should I Buy or Rent After My Divorce?
Mar 19, 2026
Listeners hear a rapid-fire Q&A about Roths, inherited IRAs, and rollover strategies. There is practical talk about whether to buy or rent after a divorce, especially for older adults. The episode also covers setting up and funding special needs trusts and when life insurance may not be necessary. Plus tips on high-yield savings options and keeping liquidity.
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Transfer Inherited IRA Assets In Kind
- Do use in-kind transfers for inherited IRAs instead of selling and rebuying when moving assets.
- Suze explains you can transfer shares directly into an inherited IRA to preserve growth and avoid unnecessary transactions.
Keep 401k Funds To Preserve Backdoor Roths
- Avoid rolling a 401(k) into an IRA if you plan to do backdoor Roth conversions.
- Suze says leaving pre-tax funds in the 401(k) prevents the pro rata rule from tainting future backdoor Roths.
Pick The Right Inherited IRA Distribution Method
- Choose distribution method for inherited IRAs based on beneficiary status and tax planning.
- Suze explains eligible designated beneficiaries can stretch distributions over life expectancy or use the 10-year rule and should consult a CPA.