 yeah i mean you're going to pay the tax and you don't need to put it in you don't have to have a roth to i mean it's better tax wise but i don't know it gives you a little more flexibility also and uh yeah unless unless they're concerned about you know who's going to inherit this money and then okay if you want to do the roth fine maybe also they could do a qualified charitable distribution for 100 grand a year each can you do each or is it just one for a couple from the iras yeah i mean it's your ira so i would think it's each