Between us we have 3 IRAs, 2 for her, one for him. He is 1 year older and RMD happened for him in 2018. RMD would have happened for her in 2020. But the rules changed and RMD for her was moved to 2021 - next year. We had already planned for her to withdraw enough for her RMD in the form of a checking account used for charities.
Since RMD is now not required for her, the question regarding charity does not appear, and the 1099-R does not reflect the charity option anyway.
Is the easiest way to handle this to take the income from that IRA and then deduct the amount on Schedule A?
