Thanks MarilynG1, after your post I did a little digging and found the translation of the IRS jargon into common language. You helped me avoid trouble with the IRS down the road. (Now, I just need to earn 10% in capital gains to offset the federal withholding.)
The SECURE Act instituted a QCD anti-abuse provision that prevents older working IRA holders from “double-dipping”; that is, reusing their tax-deductible IRA contributions as QCDs. Specifically, IRA holders who have earned income, and who are contributing to an IRA after age 70 ½ and taking a tax deduction for that contribution, will not be allowed to make a QCD until ALL the post-age 70 ½ IRA tax deductible contributions have been subtracted from the proposed QCD amount.
https://www.forbes.com/sites/bobcarlson/2020/01/28/more-questions-and-answers-about-the-secure-act/?...
