Many Americans work hard their entire lives aiming to build a seven-figure retirement nest egg. But what happens if you’re lucky enough to inherit one? Do the rules change? Imagine 25-year-old Candace, who just lost a favorite uncle at 70. He had no children of his own and left behind a Roth IRA worth $1.5 million to her. She's not sure what to do — she has some debt, but also wants to buy a house and maybe take a bucket-list trip to Italy. Must Read With such a big windfall, it's important to make sur ...