In 2020, my automatic RMD payment was turned off, but was not turned back on for tax years 2021 and 2022. I have just noticed this. So, I missed my RMD for the past two tax years (21 and 22). I have now taken these withdrawals, which will show up on my 2023 return, together with the 2023 RMD.
I have viewed the IRS guidance as well as several posts here about how to use form 5329 to account for the missed RMDs and am now thoroughly confused. Some responses say to send in a separate printed copy, others say to attach the form to this year's return, still others say to attach the 2021 missed RMD to an amended 2021 tax year return. One thread said it is best to ignore the whole thing and to plead ignorance if the IRS ever questions this. What should I do?
I am using TT desktop software. This is an inherited IRA. Any advice gratefully received.
