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On September 8, 2008, I will be 70.5 years old. I hear when you reach 70.5 you MUST start taking a minimum amount from a traditional IRA. My wife is 21 years younger than me, does that mean my MRD will be lower? Our Joint Life Expectancy is 35.9. When can take my MRD and not be penalized. I read somewhere the penalty can be up to 50% of the MRD?
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