I was intentionally nonspecific about the actual factor because, "My mom died in 2021 at the age of 94 and I was 67" is ambiguous regarding Marilyn227's age. With only that statement to go on, Marilyn227 could have been age 67 or age 68 at the end of 2021, meaning that Marilyn227 could have been either age 68 or 69 in 2022, the first beneficiary-RMD year.
