If I die, and my spouse inherit2s my 401K and my IRA. Can my spouse use the money without penalty.

If I die, and my spouse inherit2s my 401K and my IRA. Can my spouse use the money without penalty. If I die, and my spouse inherit2s my 401K and my IRA. Can my spouse use the money without penalty. Or, do the inherited accounts still behave like an IRA/401K for my spouse (including penalties for early withdrawal)?
submitted by /u/vshawk2

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