Each week in our Ask the Editor series, Joy Taylor, The Kiplinger Tax Letter editor, answers questions on topics submitted by readers. This week, she's looking at five questions on inherited IRAs and the 10-year cleanout rule for non-spousal inherited IRAs. ( Get a free issue of The Kiplinger Tax Letter or subscribe .) Question: Last year, I inherited a traditional IRA from my 89-year-old father. Do I have to withdraw all the money within 10 years or can I take distributions over my lifetime? Joy Taylor: Before 2020, deceased owners of IRAs could leave their accounts to their children, grandchildren or other individual beneficiaries, and those heirs could stretch required minimum distributions (RMDs) from inherited traditional IRAs over their own lifetimes, thus allowing the funds in the accounts to grow tax-free for decades. Congress saw this as a loophole for the rich and, in the 2019 SECURE Act, curtailed the break for most nonspousal beneficiaries.…