@MaryK4 , only Eligible Designated Beneficiaries are permitted to use life-expectancy for determining RMDs. All other beneficiaries of decedents dying after 2019 have no option but to use the 10-year rule (unless the inherited IRA was established from the direct rollover of an inherited governmental plan, in which case it applies with respect to decedents dying after 2021). Most non-spouse beneficiaries are not EBDs and are subject to the 10-year rule.
If you are subject to the 10-year rule, ignore what TurboTax says about being required to take an RMD.
