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Is it inadvisable to leave a Roth IRA to charity upon death?
I think what those articles are saying is: "If you want to leave some money to charity and some to relatives, don't bequeath a Roth to charity while bequeathing taxable accounts to relatives."  In other words, it's not "bad" to leave a Roth IRA to charity, it's just not as good as giving it to humans, if there are humans you want to give money to. In your situation, the total amount you want to leave to relatives is less than the value of your Roth.  So it sounds like the advice as it applies to you is: "Don't leave your relatives $30K from your taxable funds while leaving the whole Roth to charity.  Instead, leave $30K of your Roth to your relatives, while leaving all the taxable funds to charity (along with the leftover $20K of the Roth)."  In other words, the Roth is a "last resort" for charitable giving --- only give away Roth money to charity if you already gave humans all the money you want to give them.  (I'm unsure of the details of how you would actually designate portions of the Roth for different beneficiaries, but some googling suggests it is possible.)