Thanks all; I didn't know about form 5498, which makes sense. And I appreciate your answers. But if I'm short on my total RMD for the year**, TTax doesn't know that, and the only way I'll know my penalty, or have a chance to explain why I missed it, is after I submit my return and get a "you owe us" penalty message from the IRS... Anyway, maybe next year the process will be clearer. But for sure I'll be a lot more active in monitoring my RMD withdrawals to ensure this doesn't happen to me again!!!
**my investment advisor staff screwed up, and i didn't know that until it was too late...
