@tealover753 - a lot to unpack here......
@dmertz
I think the way this works is that since your husband passed with a 2023 RMD requirement, that RMD has to occur based on his RMD calculation and must occur if it did not occur prior to his passing.
@dmertz stated: "However, if your husband reached age 72 in 2022 and died on or after April 1, 2023, you must complete your husband's 2023 RMD if he had not already done so." What I beleive is inferred is that statement is the RMD was "locked in" based on HIS 12/31/22 balance and HIS divisor (26.5 at age 73). Your begin with your divisor in 2024.
