2020 is the only year you could divide a distribution by 3.0.
This is not a repayment plan.
It is a "spread the tax" over three years plan.
You had to file form 8915-E in 2020 and 8915-F in 2021,2022 and do it correctly.
Which year is IRS complaining about?
(only for 2020 would 5a be more than 5b.)
@dabfvnc1
