You say that the earnings have to be reported and taxed in 2021. Does that mean I have to make up a 1099-R in order to report it on the 2021 tax return or just wait until the 1099-R comes in 2023? If I wait until next year to report it, will I have to amend the 2021 return?
We are older than 59 1/2, so that is not an issue.
