Thanks for the reply dmertz, I understand what you're saying, but the IRS 5329 instructions seem pretty adament about putting the tax due on 5329 line 55 and include Schedule 2 (1040) line 8. In any case, my situation now for the coming 2023 tax return is this.
I've requested ACH transfer of the RMD but given the late date slipping up on me it probably won't arrive at my local acct until Jan 1st or 2nd 2024. Even with sending a waiver request, it appears to me I will have to put the full 25% tax on form 5329 which would then reflect on the 1040. I don't know whether this type of tax is affected by my standard deduction? But when I do it I guess I'll find out.
