Both my wife and I have IRAs and are past 72 years old. In 2020, I received distributions from an annuity that was a qualified retirement account; this totaled about 30% of that my RMD would have been. My wife made qualified charitable donations from her IRA; this totaled about 50% of what would have been her RMD. But the requirement to take your RMD has been waived for 2020. Why is TurboTax requiring in Smart Check that I complete a Form 5329 to explain what reasonable error I made to not remove my full RMD? Do I need to complete this?
