I did not distribute enough RMD. I have also rolled over all of my IRA accounts into a Roth IRA. This is my first year to distribute RMD, so I have a few extra months. Would this solution work: I would take $1,000 from my bank account and put it into one of my old IRA accounts and make it a 2021 contribution. I would deduct $1,000 from my income for 2021 on my 1040. Then I would distribute $1,000 from my IRA account and apply that to my 2021 RMD. I will use my RMD distribution for ordinary expenses. So far, I have not made any contributions to my 2021 IRA accounts.
