@kevermurray
We already explained this.
1. The current regulation as of today, 12/10/2022, is that RMD‘s are not required for the 10 year rule.
2. As of today, both the current version of publication 590B (which is for the 2021 tax year) and the draft version of publication 590B for 2022, confirm that an RMD is not required under the 10 year rule. The publication follows the regulations as they exist today.
3. The IRS is weeks away from finalizing a new regulation that will require RMD‘s under the 10 year rule. Under the new regulation, you will be required to take RMD‘s beginning in 2023.
4. Even if the regulation is finalized before the end of 2022, you will not be penalized for failing to take an RMD in 2021 or 2022.
