聽起來好像很聰明，但錢在 Ruth IRA 可以傳給子女，不要交TAX。

Inherited Roth IRAs

• Distributions are usually tax-free if the account was held for at least five years 
   
• Distributions may be taxed if the account was held for less than five years 
   
• If the Roth IRA was inherited from a spouse, the beneficiary can treat it as their own 
   
• If the Roth IRA was inherited from someone else, the beneficiary must take required minimum distributions (RMDs)