My wife is 72 years old, but she still works. She wants to make a $4,000 contribution to her IRA. She can make the contribution, but this means that $4,000 of her RMD QCD will be taxable. I think Turbotax missed this weird situation, but I have researched it carefully:
https://www.kitces.com/blog/secure-act-qualified-charitable-distributions-qcd-ira-contribution-age-r...
Google "QCD anti-abuse provision" to learn more about this issue. This issue is not addressed by Turbotax, so this is a bug that needs to be fixed!
"For every dollar you add to your IRA past age 70 1/2, the IRS will remove the QCD tax shield for later QCDs.
