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I was not aware you could "add" to any inherited IRA. Where are you getting your info?

To kgtest - "FIRE in 2031 @ 50yrs old (+/- 2yrs) w/ a hypothetical $2.5mil portfolio, 3 appreciated homes worth $1.0mil and rental income to fund my gap years until RMD. Assets will go to an inherited IRA where I plan on watching the investments grow until I die or the trust gets executed. "...

I've been on Medicare with an Advantage plan since February. Drug plans is included. After paying $699 per year for $7900 deductible for YEARS, this has been wonderful! The plan I'm on has a "passport" program that one can use for travel within the USA (say, for snow-birds). And ER care...