100% agree.
For 2020 taxes, the SECURE computation gives no choice, and despite all the fanfare
that it's a win, it seems like it could easily be a loss for many families.
For example, the 2020 law is an obvious loss for those
with between $1100 and $3750 of unearned income as now it is being taxed and before it wasn't.
I'm also guessing if parents are in a 32% tax bracket, in many cases, the new law again is a lose.
Possibly even if the parents are in a 24% bracket (if the unearned income is less than $10,000 maybe, haven't done the math yet.)
When i look at the numbers, i'm surprised how people think this is a good idea for them.
