@ProbablyMike wrote:
It seems like an issue with calculating the historic RMD is, since no distribution was taken, the value of the IRA never decreased for the next RMD and the next and so on. Unless I subtract each RMD from the end of year balance each year. Maybe not reducing the IRA value by calculated RMDs isn't an issue, not sure.
You don't calculate the RMD based on what it would have been if you had taken it before, you calculate it based on the account balance as-is (or as-was).
