@ebakhd wrote:
since RMDs were waived for 2020, why does TurboTax even ask questions about RMDs?
That's a good question. Maybe they didn't want to do a wholesale makeover of the program, knowing that for 2021 it would have to go back to the way it was. When it asks, just say that none of your distribution was an RMD, and that you were not required to take an RMD for 2020.
@ebakhd wrote:
And 1099-R seems to be poorly designed. Transfers to charity should not even be shown as taxable income.
The IRA custodian doesn't have all the information needed to determine whether a distribution that was sent to a charity is a valid QCD. That's what the "Taxable amount not determined" checkbox is for. It's probably checked on your 1099-R. That essentially says "we don't know if the taxable amount in box 2a is correct."
