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I'm helping my Mother with her taxes and finances. To calculate her Required Minimum Distribution from her IRA, I found the IRS chart for that purpose. The chart gives divisor numbers based on the life expectancy for ages above 70.

I'm just wondering how they figure life expectancy because their assumptions are very old! At age 85 my Mother has a life expectancy of 15 more years?! That's pretty optimistic, no?
Besides it doesn't really add up. Because if an 85 year old has a 15 year life expectancy, than a 100 year old would be zero. But at age 100, if she lives that long, she would then still have 6 years left?
And it finally gets down to under two years at age 115.

Seems kind of off, no?
Are they just being super liberal about the life expectancy in order to come up with a conservative MINIMUM distribution to allow people to keep more money in the IRA?

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