I'll take your word for it and file an amended return for 2020. Taking RMD's when I reach 72 is not a problem because I turned 85 in October, 2021. I took a part-time job in 2019 and became eligible for the 401(k) in 2020, increasing the contribution election to 50% in August, 2021, as I said in my initial post. I did retire on 12/31/21, so I assume that I will have to begin RMD's in 2022. Thanks again.
