Where to next?

[kat727]

The IRA would still have had her name on it as well as yours as her beneficiary. It would have become your IRA. So you wouldn't had to have paid anything and you would have only had to take out the RMD based on her age. Were you not your Mom's beneficiary? UBS dropped the ball on that one.

Would moving help your financial situation? It may have to become an option. Since you are renting, perhaps an apartment would be cheaper?

kat