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do you know which of the three required minimum distribution tables you will be subject to in any given year throughout your retirement now this is an extremely important topic for retirees to understand because there are very few penalties within the irs code that hurt more than an r d miscalculation penalty for instance you will have a 50 penalty in the amount that you potentially miscalculate what i mean by that if we use an example is lets say you had to take a 20 000 rmd in a given year and you only take a 15 dollar rmd well you are off by five thousand dollars you miscalculated well you will have a fifty percent penalty in the amount that you miscalculated so you will owe twenty five hundred dollars to the irs now this is a completely avoidable mistake but you have to understand which rmd table you will be subject to and then calculate your rmd properly and so in this video im going to thoroughly explain these three rmd tables how to calculate your given required minimum distr