There's a decision your surviving spouse is going to make about your IRA, after you're already gone, that can either cut short or stretch out how long your kids get to keep that money growing — and most people don't even realize the choice is being made. We're going to zero in on one option in particular, one that sounds a little crazy on its face: turning down an inheritance on purpose.

In our Listener Question segment: A listener wrote in about a family farm, a couple of brothers he'd rather not be in business with, and whether saying "no thank you" to his own share is the way to keep the peace in the family.

And then to close things out, we'll head over to our Retire To Something segment where Shawn figured out how to check just about every box that matters.

Resource: Article by Denise Appleby at Morningstar: The IRA Decision That Affects Your Kids

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