/biz/ - Business & Finance

Please help me not pay the government money /biz/. According to this site:
https://www.nerdwallet.com/article/taxes/estate-tax
>The IRS exempts estates of less than $13.61 million from the tax in 2024 ($12.92 million in 2023), so few people actually end up paying it. If you inherit stocks, cash, or small amounts of other assets, unless they add up to $13.61 million in 2024, you probably won't have to pay the estate tax.
According to this calculator:
>Net taxable estate is $123,000.
>Because the taxable estate value is within the exemption, the federal estate tax due is $0 for 2023.

I inherited an IRA worth 123,000. In order to cash out, Fidelity demanded 20% federal withholding or else they said they couldn't cut the check. So I'm left with 98,300 approx. I'm confused as to what taxes I actually owe and why they demanded withholding. Can a /biz/ bro help me out?