 SEP IRA is about $39,000. I have an inherited IRA, which is $29,000. My wife's IRA is $88,000, and we have about $155,000 in checking in our house. This did you inherit. Obviously, you got a $29,000 inherited IRA. What else? That's it, just that inherited IRA. And I'm guessing that came after you were already a millionaire.