I am getting an Inherited ROTH-IRA -BDA from my ex-spouse in a divorce, I am also taking on a lot of debt, and need to cash out the Inherited ROTH-IRA -BDA, and pay some of debt and have some reserve money.
What are my options?
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An inherited Roth has no tax due at withdrawal. This doesn't change in the case of an inherited Roth received through a spouse as a result of a QDRO. So no tax for you.
To be clear, for an inherited Roth, there's an RMD each year (even though one may be under 59-1/2, e.g. a 5 yr old beneficiary will have an RMD) but there is no penalty for taking more than the RMD or cashing the full value.
Is there more to your question? Why are you taking on debt?