@Marilyn227
It is far too late to take an RMD for 2022, even a corrective one. And since you won’t be penalized for failing to take a 2022 RMD, I would simply forget about it.
Just start with your 2023 RMD, which would be the balance on 12/31/23 divided by 18.4 (or more. You can always withdraw more than the smallest required amount.)
Remember that an RMD is an amount, not a specific transaction. Suppose that the RMD that you calculate on 12/31/23 turns out to be $5000. That could be satisfied by withdrawal in the amount of $5000 made on 12/27/23 (don’t wait to the last day because it probably won’t go through in time) or it could be satisfied by withdrawing $500 a month over the course of the year so that you would have spending money throughout 2023. As long as the amount you withdraw by the end of the year equals at least the minimum amount.
