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$2 Million 401(k) Inheritance Could Cost Your Kids $600,000 More Than a Roth Conversion

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FOMOGRAM Editorial Desk
Aug 2, 2026
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$2 Million 401(k) Inheritance Could Cost Your Kids $600,000 More Than a Roth Conversion
EXECUTIVE SUMMARY

Leaving a $2 million 401(k) to your kids feels generous until you calculate what the IRS collects first, and the window to fix it closes sooner than most families realize.

Leaving a $2 million 401(k) to your kids feels generous until you calculate what the IRS collects first, and the window to fix it closes sooner than most families realize.

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The article discusses financial planning for 401(k) inheritances, which does not impact cryptocurrency markets.

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