@taxchamp , the 10-year rule potentially applies only in the case of decedents dying after 2019, so it does not apply to you.
All 2020 RMDs were waived by the CARES Act of 2020 due to COVID. You were required to take RMDs each year after that. Waiver of the penalty for not taking RMDs in 2021 through 2024 only applied to beneficiaries who are subject to the 10-year rule.
