THE PROBLEM WITH RETIREMENT ACCOUNTS IS THAT THEY’RE HOSTAGE TO FUTURE CONGRESSES’ GREED: Congress Eyes New Rules For Inherited IRAs. “A Senate Finance Committee proposal floated this past week as part of a highway-funding bill would give heirs five years to empty inherited individual retirement accounts or 401(k)s, which would typically trigger income-tax payments. The rule change could raise some $4.6 billion in income taxes over the next decade, according to a statement by Sen. Max Baucus (D., Mont.), chairman of the Senate Finance Committee.”