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No one, of course, knows for sure, but based on reasonable assumptions and knowledge you possess, what is your best guess?

Hi, I’ve been lurking here for a while so I fianaly decided to finally join the club. Situation: My mom is 65 years old and has $30k in traditional IRA in Vanguard (rolled over from her 401K) My dad is 69 and is also on SS and they file jointly, so their combined yearly income is around $25k...