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I must use the Joint Life Table since my spouse is more than 10 years younger than me. Her birthday is in October and mine in December. I have to take my RMD this year. I know the value of my account as of 12/31/2020 but if I take the RMD now- in March- the IRS factor is larger than if i take the RMD in October (when my wife is a year older) and but the factor is 'much' less after my December birthday.
Do I use the factor applicable on the exact date of the withdrawal or does it 'default' to our ages as of 12/31/2021? No one has yet been able to answer this. Thanks!
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