Dear Penny: Can I withdraw a lump sum from my late wife's IRA and avoid taxes?

Dear Penny, I will soon be 90 years old. My wife passed in 2017, and I inherited her IRA account. I now withdraw $1,200 every three months. I would like to be able to use the entire amount at one time, but I don’t want to pay thousands in taxes. What can I do? — Living on Savings Dear Living, A beneficiary of a retirement account has to report distributions from the account as part of their gross income in …