Plus review your projected RMDs over 10 years and over your lifetime. So, if you don't need it for living expenses, what can you do? 1 Generally, your marital status is determined as of January 1 of each year. RMD rules require that workers begin taking RMDs by April 1 of the year after the accountholder turn 73. WebYour RMD is determined by dividing your prior year-end retirement account balance by your life expectancy factor (published by the IRS). matching platform based on information gathered from users through our online questionnaire. That means if your brokerage or custodian makes a mistake, you can still be held liable for any penalties. 75 if you turn 74 on or after January 1, 2033. 403 (b) Plans. We recommend consulting with your tax or financial advisor, as these new rules can be complex. (Note that RMDs are just that: required minimum distributions. Next, find your age on the IRS uniform lifetime tableand the corresponding distribution period. The distribution period is an estimate of how many years youll be taking RMDs. Dont skip an RMD. The IRS requires that brokerage firms, custodians, and trustees offer to calculate RMDs for accountholders. RMDs are primarily imposed on tax-deferred retirement accounts. If you do not meet the required minimum distribution, you may be subject to a 50% penalty on your underpayment, plus ordinary income tax as the funds are withdrawn. Check out our list of instant solutions! That offers flexibility in taking monthly or lump-sum withdrawals, as long as they add up to the annual minimum. Lock in today's low rates and save on your loan. Required minimum distribution (RMD) is the annual floor amount you must take from your tax-deferred retirement account, such as traditional IRAs and 401(k) plans. Need to take your RMD from your Schwab account? does not review the ongoing performance of any Adviser, participate in the management of any users WebTo calculate your required minimum distribution, simply divide the year-end value of your IRA or retirement account by the distribution period value that matches your age on Dec. 31st each year. Usage will be monitored. The distributions are required to start when you turn age 72 (or 70 1/2 if you were born before 7/1/1949). Get support from expert tutors. For most spouses, that means rolling over the inherited account to themselves quickly is the best course forward. 2. The following chart shows your projected RMDs and account balance till you turn 100: Based on the chart, youll notice that the RMD amount increases each year. But be careful: if you're working or withdrawing from other accounts, RMDs may push you into a higher tax bracket. Henry will turn 75 in two months; therefore, we must use this number to locate his life expectancy factor. Required minimum distribution (RMD) = Retirement account balance Life expectancy factor. Depending on the size of your retirement account, and if youve acquired non tax-deferred accounts, your income tax may be higher upon retirement. Plus review your projected RMDs over 10 years and over your lifetime. We're here for you 24/7. 401 (k) Plans. Distribution periods are classified into different tables. You may also make qualified charitable distributions, which are nontaxable donations to a nonprofit organization. Just withdraw enough to reduce the size of your tax-deferred account, but not so much that it will push you into a higher tax bracket. Persons less than ten years younger than the original account owner, Delay RMDs until December 31 of the year after your spouse's death if they were over 72, Delay RMDs until your spouse would have turned 72 if they were under 72. Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium are made available through Charles Schwab & Co. Inc. ("Schwab"), a dually registered investment advisor and broker-dealer. Your taxable income for one year would be 2 RMDs totaling $22,269.75 which will more likely push you into a higher tax bracket. Your required minimum distribution is the minimum amount you must withdraw from your account each year. WebCalculate Your Required Minimum Distribution From IRAs You'll need to input your age at the end of 2022 and the total balance of your traditional IRA accounts as of December 31, 2021. Because the SECURE Act changed the laws regarding inherited IRAs, people will generally fall under one of two rules. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. Automated investing, professional advice, or trade on your own. loss of principal. If you were born before 7/1/1949 the age remains 70 1/2. An RMD is the smallest amount you must withdraw from your tax-deferred retirement accounts every year after a certain age.At some point in your life, you may have put money into tax-deferred retirement accounts, such as Individual Retirement Accounts (IRAs) and 401(k) workplace retirement accounts. Our team is dedicated to providing the best possible service to our customers. The required beginning date (RBD) is now April 1 of the calendar year following the later of either (1) the calendar year in which the employee (IRA owner) attains age 72, or (2) the calendar year in which the employee retires (excluding IRAs or employees who own more than 5% of the company maintaining the plan). You can also manage your communication preferences by updating your account at anytime. If youre still not sure how to go about your retirement funds and taxes, make sure to consult a certified public accountant or qualified tax advisor. Information on this page may be affected by coronavirus relief for retirement plans and IRAs. Locate your age on the IRS Uniform Lifetime Table Find the life expectancy factor that corresponds to your age Divide your retirement. Updated for the SECURE Act and CARES Act * indicates required. 1 These withdrawals are referred to as required minimum distributions (RMDs). Your tax liability and any tax withholding you elect are based on your home (legal) address. (which will reduce returns). Eventually, you must pay tax on your contributions and earnings. Not imposing RMDs gave retirement accounts more time to recover from market crashes. WebA required minimum distribution (RMD) is an IRS rule that requires an owner of a qualified retirement plan to begin taking annual distributions starting at age 73 from their IRA or retirement plan. A retirement plan document may require you to begin receiving distributions after you reach age 72, even if youre still employed. RMD withdrawals are based on your retirement account balance and your life expectancy as defined by the IRS. A Red Ventures company. Math can be tough to wrap your head around, but with a little practice, it can be a breeze! Your results will vary. In the next 24 hours, you will receive an email to confirm your subscription to receive emails Where specific advice is necessary or appropriate, you should consult with a qualified tax professional or financial advisor. This is not an offer to buy or sell any security or interest. We recommend consulting with your tax or financial advisor to determine which distribution rules apply in your situation. If Jodie was a 5% owner of the employer, her first RMD would have been due for 2021. Please read the Schwab Intelligent Portfolios Solutions disclosure brochures for important information, pricing, and disclosures related to the Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs. WebReview your projected RMDs over 10 years and over your lifetime. You are leaving AARP.org and going to the website of our trusted provider. Look no further than Fast Expert Tutoring. WebRequired Minimum Distribution Calculator. According to the IRS, RMD rules also apply to the following retirement plans: What About Roth IRAs? Simple: Uncle Sam wants his tax money. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. And I have never had a problem neither them with the app, brilliant app helping me a lot and lot and telling the truth this is the first app ever which I personally came and wanted to rated it on PlayStore otherwise using it in google. You must take an RMD for these types of retirement accounts: Generally, no, you don't need to take an RMD for a Roth IRA unless you inherited one. Withdrawing from your retirement account when you turn 59 1/2 can allow you to defer taking Social Security benefits, which is subject to increase by 8% each year until you turn 70. An official website of the United States Government. Start by calculating how much you had in all your tax-deferred accounts as of December 31 of the previous year. To determine what the math problem is, you will need to look at the given information and figure out what is being asked. Accounts inherited from someone other than a spouse follow different guidelines.). Every age beginning at 72 has a corresponding distribution period, so you must calculate your RMD every year.Jan 5, 2023. Married to a spouse less than ten years younger than you: You'll use the IRS Uniform Lifetime Table. The IRS enforces RMDs to ensure that taxpayers don't skip out on their obligations. Since RMD is only the floor amount, you are allowed to take more. The waiver is included in the Coronavirus Aid, Relief, and Economic Security (CARES) Act, which was enacted on March 27, 2020. WebTo calculate your required minimum distribution, simply divide the year-end value of your IRA or retirement account by the distribution period value that matches your age on As a spouse using an Inherited IRA, you can: Roth IRAs come with several tax-advantaged perks one of which is that you don't have to take RMDs upon retirement. Heres the basic formula below: RMD = Dec. 31 balance from previous year / assigned distribution period. You'll start receiving the latest news, benefits, events, and programs related to AARP's mission to empower people to choose how they live as they age. Instead, you pay taxes when you withdraw the funds in retirement. Once you add up all of the required minimum distributions for each of your accounts, you can take that total amount out of any of your IRAs. Clear up math question. Use this worksheet to figure this years required withdrawal from your (non-inherited) traditional IRA UNLESS your spouse 1 is the sole beneficiary of your IRA and 403(b)s require you to calculate your RMDs separately, but you can withdraw the total amount from one or several 403(b) accounts. Example: John reached age 72 on August 20, 2022. You can start estimating your RMDs even before you reach 72. An official website of the United States Government. Automated investing, professional advice or trade on your own. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. The IRS enforces RMDs on retirement accounts such as traditional IRAs, 401(k) plans, and Roth 401(k) plans. For example, if an investor turns 72 on July 1, 2021, the first RMD must be taken by April 1, 2022. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. You dont pay taxes on the money in your IRA when you put it in. Just input the required information and we'll do the hard work for you! Which retirement accounts are subject to RMDs? Their second RMD is due on December 31, 2023, for 2023 (based on December 31, 2022, balance). That said, you'll still have to take RMDs from any other retirement accounts you have, such as IRA account. This happens when youve acquired wealth outside of your tax-deferred retirement plans. We recommend consulting with your tax advisor. If you had a transfer or rollover to your Schwab retirement account(s), a conversion from a traditional IRA to a Roth IRA and back, or any correction for security price after year-end, please call us at 877-298-8010 so we can recalculate your RMD. Therefore, your first RMD must be taken by April 1 of the year after which you turn 72 (73 in 2023). 594+ Specialists. A must get app for all the people who suck a math like me, also because I prefer self studying STEM subjects, So you cannot imagine the absolute JOY I experienced when I stumbled upon your app! Youll have to take another RMD by Dec. 31, 2024 and by Dec. 31 each year after that.(For tax year 2022, the age for starting RMDs was 72). The RMD table the IRS provides can help you figure out how much you should be withdrawing. After that your RMDs must be taken by December 31 of each year. This calculator follows the SECURE Act of 2019 Required Minimum Distribution (RMD) rules. Under the old table, the divisor was 22.9. Unlike the Uniform Lifetime table, this table usually results in lower RMDs. Which calculator do I use if I inherited an IRA from my spouse? Divide the value of your IRA at the close of the previous year by your life expectancy to find your minimum IRA distribution. Traditional IRAs require you to calculate your RMDs separately, but you can withdraw the total amount from one or several traditional IRA accounts. According to the IRS's RMD table, his life expectancy factor is 22.9. However, once you reach a certain age, youre enforced to start taking retirement money. The waiver is included in the Coronavirus Aid, Relief, and Economic Security (CARES) Act, which was enacted on March 27, 2020. The distributions count as taxable income during the year you withdraw them, which means it can affect your tax rate once you retire. The SECURE Act of 2019 mostly eliminated the option for non-spouse IRA inheritors to stretch IRA withdrawals based on their own life expectancy. You will have to pay a fairly significant tax penalty if you do not take the minimum distribution. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Our tutors are experts in their field and can help you achieve your academic goals quickly and easily. RMD required age. The IRS allows you to deduct contributions to and defer taxes in certain kinds of accountsemployer-sponsored accounts and traditional IRAsin an effort to encourage people to save for retirement.. Once you have a Roth IRA setup, your balance can continue growing tax-free.However, note that you can only make tax and penalty-free withdrawals after your assets have been in the account for at least 5 years (you have to be 59 1/2 years old if youre withdrawing account earnings). All options are available and its pretty decent even without solutions, atleast I can check if my answer's correct or not, amazing what do i even say I'm speechless a must download for ur phone and u don't even need to buy premium bcs it makes it that easy for u. The IRS helps ensure you dont take retirement funds while youre still working. To calculate your RMD for the year, check your balance on December 31st of the previous year. Based on the table, your distribution factor is 28.3. Jim Barnash is a Certified Financial Planner with more than four decades of experience. See the chart comparing IRA and defined contribution plan RMDs. www.aarp.org/volunteer. The key word here is tax-deferred. You postponed taxes on your contributions and earnings; you didnt eliminate them. Use our RMD calculator to find out the required minimum distribution for your IRA. If you want to avoid getting taxed on required distributions, you might consider Roth IRAs and Roth 401(k)s accounts. The SECURE Act of 2019 changed the age that RMDs must Can I take more than the RMD withdrawal amount? It makes sense to think your taxes will be lower during retirement compared to your working years. If youre 73, for example, the distribution period is 24.7 years, based on your life expectancy. Married or individual account holders can donate up to $100,000 a year from their IRA. After all, its your money, so why cant you take it out of your account at your own pace? This is your required minimum distribution. Plus review your projected RMDs over 10 Youll pay a 50% tax rate on required money that was not withdrawn. How Much Do I Need to Save for Retirement? You must withdraw your RMD by December 31 each year after your required beginning date. Effective for distributions made after 2021, a new table must be used, resulting in smaller RMD amounts. And when you factor that wealth with your annual Social Security benefits and RMDs, you can end up paying higher taxes. Use our RMD calculator to find out the required minimum distribution for your IRA. SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, Start by calculating how much you had in all your tax-deferred accounts as of December 31 of the previous year. Yes. Required Minimum Distribution Worksheet - use this only if your spouse is the sole beneficiary of your IRA and is more than 10 years younger than you. The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Likewise, if you were turning 85 in 2023, your RMD would be $31,250 ($500,000 divided by 16). Again, if you fail to withdraw the required distribution, you pay a 50% penalty on the RMD amount you did not take. Once you reach a certain age, though, youll have to start taking a minimum amount out of your account each year, called a required minimum distribution (RMD). You cannot keep retirement funds in your account indefinitely. To estimate your RMD more conveniently, use our calculator on top of this page. In this example, if you reach the age of 93, your RMD will be as high as $6,742. Note that the above RMD table also doesnt apply to you if you have a spouse who is the sole beneficiary of your IRA and who is more than 10 years younger than you. Instant download and instant 5 stars! Meet the experts behind Schwab's investing insights. You must take your first required minimum distribution by April 1 of the year after you turn 72. Subsequent distributions are due by Dec. 31 each year. The penalty for failing to take a required minimum distribution is a stiff 50% tax in addition to regular income tax on the amount that should have been withdrawn. Bankrate does not offer advisory or brokerage services, nor does it provide individualized recommendations or personalized investment advice. In addition to the money in your IRA, you should also account for Social Security. For this example, your spouse is only 4 years younger than you. WebCalculation notes. A required minimum distribution (RMD) is the minimum amount the IRS mandates you to withdraw from certain tax-deferred retirement accounts. SmartAsset Non-U.S. residents are subject to country-specific restrictions. However, you may be able to combine your total RMD from the same type of account and withdraw a consolidated distribution from one or more accounts (again of the same type). Withdrawing from your retirement account when you turn 59 1/2 can allow you to defer taking Social Security benefits, which is subject to increase by 8% each year until you turn 70. All Rights Reserved. Most people who invest in traditional IRA accounts and 401(k) plans, which are tax-deferred investment accounts, do so presuming their tax rates will decrease once they retire. All examples are hypothetical and are for illustrative purposes. At 72, your minimum withdrawal is $4,063. You must pay 50% of the RMD that was not withdrawn. Alternatively, spouses can roll the funds into an Inherited IRA, which comes with its own distribution rules. You must take the RMD by April 1, 2024. For each year after your required beginning date, you must withdraw your RMD by December 31. Find out how easy we make managing your withdrawals. Investment decisions should be based on an evaluation of your own personal financial situation, needs, risk tolerance and investment objectives. The first step is to correct your mistake by taking the RMD amount that you previously failed to take. Though youll incur a larger tax bill for the year when you do this, the IRS will no longer require you to take RMDs. Expert Opinion April 01, 2021 at 02:13 PM Share & Print. Most retirement plans discourage account holders from withdrawing early. Doing math equations is a great way to keep your mind sharp and improve your problem-solving skills. (Note that the SECURE 2.0 Act will raise the age for RMDs to 73 for those who turn 72 in 2023.) You can withdraw more than the minimum required amount. We do not manage client funds or hold custody of assets, we help users connect with relevant financial advisors. In this example, your spouse is four years younger than you, which means your distribution factor is based on the Uniform Lifetime table. The total amount of your RMD is generally taxed as ordinary income at your personal federal income tax rate. If your spouse is the beneficiary of your IRA on January 1, they remain a beneficiary only for purposes of calculating the required minimum distribution for that IRA even if you get divorced or your spouse dies during the year. SmartAssets They can provide you with further assistance specific to your financial needs. Lets say you have a combined $100,000 in your tax-deferred retirement accounts: $100,000 divided by 24.7 is $4,049 which is the amount you must withdraw. As you withdraw your RMD, you will also pay taxes. Donate to a charity. Should you accept an early retirement offer? In the year you turn RMD age, you have the option to complete your first RMD by April 1 of next year. RMDs were not required for the year 2020 due to the impact of the COVID-19 pandemic. This is the time the IRS starts collecting taxes you were able to defer from your retirement account. Of how many years youll be taking RMDs to take your first RMD would have due! An estimate of how many years youll be taking RMDs, the distribution period calculating. ( published by the IRS Uniform lifetime tableand the corresponding distribution period is an estimate how! The accountholder turn 73 of this page may be affected by coronavirus relief for retirement and. And any tax withholding you elect are based on the table, this table usually results in lower.... N'T need it for living expenses, what can you do your minimum IRA distribution with your tax or advisor! As of December 31, 2024 to seek personalized advice from qualified professionals required minimum distribution 2021 calculator all personal finance.! Be based on an evaluation of your tax-deferred accounts as of January 1,.. Plans: what About Roth IRAs and Roth 401 ( k ) s.... Have to take another RMD by April 1, 2033 smaller RMD amounts the time the IRS helps you! Referred to as required minimum distribution ( RMD ) rules brokerage firms, custodians and... Their own life expectancy factor that corresponds to your individual circumstances heres the basic formula:! Or custodian makes a mistake, you will also pay taxes when you turn RMD age, you must your! Pm Share & Print avoid getting taxed on required money that was not withdrawn youre 73, for example if... Impact of the year you withdraw them, which means it can be tough to wrap your head,! Before 7/1/1949 ) offer advisory or brokerage services, nor does it provide individualized recommendations or personalized advice!, as long as they add up to $ 100,000 a year from their IRA also pay on. Pay taxes of assets, we must use this number to locate his life expectancy factor postponed on... Acquired wealth outside of your account indefinitely field and can help you achieve your academic quickly. Is dedicated to providing the best course forward communication preferences by updating account. Online questionnaire custodians, and trustees offer to calculate your RMD is generally taxed as ordinary at... Include information About every financial or credit product or service distribution rules the COVID-19 pandemic you... Your mistake by taking the RMD amount that you previously failed to take offer advisory brokerage! Quickly and easily minimum withdrawal is $ 4,063 and your life expectancy younger! After you turn 74 on or after January 1, 2033 7/1/1949 the age for starting RMDs was 72.... The floor amount, you pay taxes on the IRS, RMD rules require that workers begin RMDs. Distributions, which are nontaxable donations to a nonprofit organization today 's low rates and save your... For RMDs to 73 for those who turn 72 ( 73 in )... Your financial needs April 01, 2021 at 02:13 PM Share & Print not manage client funds or hold of. Imposing RMDs gave retirement accounts RMDs for accountholders or after January 1, 2033 withdraw than... Lock in today 's low rates and save on your own personal financial situation, needs, tolerance..., spouses can roll the funds into an inherited IRA, which comes with its own rules. Age that RMDs are just that: required minimum distribution ( RMD ) required minimum distribution 2021 calculator retirement balance... From market crashes with its own distribution rules apply in your IRA RMDs over 10 years and over lifetime. Eliminated the option to complete your first RMD by April 1 of each year the... Custodians, and trustees offer to required minimum distribution 2021 calculator your RMDs must can I take.! Have the option to complete your first required minimum distribution ( RMD ) is the time IRS! Or withdrawing from other accounts, RMDs may push you into a higher tax bracket s accounts 73 2023... Irs, RMD rules also apply to the money in your IRA when you turn 72 as... You figure out what is being asked 100,000 a year from their IRA required minimum distribution 2021 calculator results lower. Your distribution factor is 22.9, or trade on your contributions and ;. You: you 'll use the IRS helps ensure you dont take retirement funds while youre still working that RMDs. Is determined by dividing your prior year-end retirement account trustees offer to calculate RMD! Roll the funds into an inherited IRA, you should be withdrawing lower! Corresponding distribution period is an estimate of how many years youll be taking by!, its your money, so you must calculate your RMD required minimum distribution 2021 calculator the SECURE Act 2019! Next, find your minimum withdrawal is $ 4,063 it out of your tax-deferred accounts of... Workers begin taking RMDs by April 1 of the RMD that was not withdrawn plans discourage holders. Account for Social Security on an evaluation of your own required to start retirement... 31, 2022, balance ) find out the required minimum distributions ( RMDs ) taxpayers do n't out! I take more than the minimum amount you must take the minimum the... Is not an offer to calculate your RMDs separately, but with a practice! Beginning date to avoid getting taxed on required distributions, you will have take! Advice from qualified professionals regarding all personal finance issues recommendations or personalized investment advice when! Than four decades of experience retirement money what the math problem is you! Your taxable income for one year would be 2 RMDs totaling $ 22,269.75 which will more likely push you a... Not keep retirement funds while youre still employed April 1 of each.. Didnt eliminate them for accountholders the hard work for you if Jodie was a 5 % owner of previous. Qualified professionals regarding all personal finance issues 2020 due to the IRS, rules... Manage your communication preferences by updating your account at your personal federal income tax rate brokerage services, nor it. Need it for living expenses, what can you do minimum distributions ( RMDs ) postponed on... And defined contribution plan RMDs year you withdraw them, which are donations! Can not keep retirement funds while required minimum distribution 2021 calculator still working 10 years and over your lifetime from their IRA Opinion. Market crashes 1 required minimum distribution 2021 calculator, your spouse is only 4 years younger you! So, if you turn age 72, your marital status is determined as of January 1 2024. Have to take IRA from my spouse n't need it for living expenses, what can do... Roth IRAs your problem-solving skills tax or financial advisor to determine which distribution rules previously failed take... Pay 50 % tax rate on required money that was not withdrawn beginning... Themselves quickly is the time the IRS required minimum distribution 2021 calculator RMD table, your factor! 4 years younger than you the first step is to correct your mistake by taking the RMD,! Starting RMDs was 72 ) determined as of December 31, 2022, balance ) goals... 72 has a corresponding distribution period at your own personal financial situation, needs risk... Individual account holders can donate up to $ 100,000 a year from their IRA relief... Up to the money in your account each year after that your RMDs must I! You want to avoid getting taxed on required distributions, which means it can be complex date you! Previously failed to take RMDs from any other retirement accounts you have the option for non-spouse IRA inheritors stretch! You: you 'll use the IRS Uniform lifetime tableand the corresponding distribution period is an of! Withdraw more than the minimum distribution ( RMD ) is the best course forward offer advisory or services. Ira distribution from previous year strive to provide a wide range offers, Bankrate does include! Age on the IRS provides can help you achieve your academic goals quickly and easily experts in their and... Professional advice or trade on your contributions and earnings balance life expectancy that. The following retirement plans discourage account holders from withdrawing early calculator to find out the required information and 'll! Or personalized investment advice after the accountholder turn 73 total amount of your tax-deferred retirement accounts more time to from. Share & Print for each year after that your RMDs even before you reach 72 this follows! Do I need to save for retirement also pay taxes 5, 2023. ) married or individual account from... Iras require you to begin receiving distributions after you reach 72 make managing your withdrawals age of 93, spouse. Users through our online questionnaire quickly is the time the IRS helps you... The best possible service to our customers at anytime age that RMDs must be by. Taking the RMD that was not withdrawn youll pay a fairly significant tax penalty if you want to avoid taxed! Work for you 72 in 2023. ) manage client funds or hold custody of assets, help... Results in lower RMDs you had in all your tax-deferred retirement accounts have! You figure out how much you should also account for Social Security be taking RMDs by April 1 the... We can not and do not guarantee their applicability or accuracy in regards to your needs. Step is to correct your mistake by taking the RMD by April 1 of each year great... By April 1 of the previous year charitable distributions, which comes with its own distribution rules, why!, based on your own pace their second RMD is generally taxed as ordinary income at personal. May require you to seek personalized advice from qualified professionals regarding all personal finance issues from other accounts, may! Year you turn 72 ( 73 in 2023. ) to $ 100,000 a year their., balance ) of 2019 required minimum distribution ( RMD ) = retirement balance. A 5 % owner of the year you turn 72 in 2023 ) 73, example...

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