<prompt> Human: I never rolled over a Roth IRA that I inherited from my father, I was told after 5 years that it is taxed at 50 when rolled into a new IRA account. It has now been ten years since I got this IRA, is there any way to avoid a 50 tax? I talked to my institution about this 3 years ago and they were not helpful at all. Also, I still have a 401k with a former employer which has been doing great, but I left 5 years ago. Should I roll this over to an IRA or does it really matter?  <response>: My advice: As soon as money lands on your lap, you take care of it. I think youre SOL on your inherited Roth IRA. Consult a professional tax accountant. Rollover your 401k into an IRA. Geezus - 5 years. Do you even care about your money? 