 If a non-spouse inherits an IRA, they have to take the money out within 10 years. If a non-spouse inherits a Roth IRA, the government does not care when or if you take the money out. Here's what I'm trying to get to. Let's say you've worked your whole life. You've put it away, put it away, put it away, put it away. You're in your mid-50s. You've got a $2 million IRA.