<prompt> Human: I have a 401k myself and I know Im not allowed to touch it until I retire. Does this mean this money gets added to my retirement and I also cant touch it for a while? Do I have to pay taxes on inheritance money? I think ny does have an estate tax. If so does that mean trumps tax returns will be in my favor?  <response>: Google inherited IRA. Heres a good example result You want to look at either TraditionalNon-spouse inherits or RothNon-spouse inherits. Read that first. 