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Hi from Just Answer. I'm PDtax.
RMD, or required minimum distributions, are mandated from IRA accounts as a mandatory reduction in the accounts. Social Security does not have such a mandate.
The simplest way I know to explain RMD is to use your life expectancy at age 70 (there is a table IRS uses for single or joint life expectancy, and who you choose as your joint annuitant impacts the figure). Let's say the table says you have 19 years to draw on your account. The RMD in the first year is 1/19 of the balance.
The denominator changes each year, to 1/18 the next year, and so on.
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