 and you take that out and that's that i mean so as far as i'm concerned the organization should be helping you with this but get in touch with them and in terms of once that's done then you divvy it up into the three inherited iras and you have 10 years to take it out you don't have to wait till the 10th year maybe if you know for each of you it might be different but you have 10 years to get the money out in total so