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...At age 70, when the requirements kick in, the RMD divisor is 27.4; so if you have $1,000,000 in retirement funds at the end of the preceding year, you have to withdraw $36,496 that year. How burdensome is that?...

The kicker is that on average the IRA will likely grow more than the RMD of 3.6% so at the end of the year you will likely have more than the million in the account that you started the year with.

Even at the age of 90 when the divisor is 11.4 that is only 8.8% so if your investments are earning more than 8.8% you will still not be drawing down the portfolio.
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