Thank you for sharing your token number. After taking a closer look at your data file, I can see that the two Form 1099-R distributions with an RMD requirement are both inherited accounts from the same person. This means that in order to prevent a penalty from being imposed that you may need to make an adjustment to the RMD amounts entered for each account.
Instead of entering the actual calculated RMD for each one, enter the distribution amount in the RMD field instead. You have met the cumulative RMD between the two distributions and should not incur a penalty.
The following information from a Learn More link on the page where the RMD is entered may explain the situation more clearly:
Special Required Minimum Distribution Rules for Inherited IRAs
If you have more than one IRA, you can usually take money out of any of them to meet the minimum amount you have to take out each year. But this does not work if the IRAs were inherited from someone who died.
If you inherited an IRA from someone, you have to take the minimum amount out of that exact IRA. For example, you cannot take money out of your own IRA to meet the minimum for an inherited IRA.
The only time you can use one inherited IRA to meet the minimum for another is if they were both inherited from the same person.
For example, if you inherited two IRAs from your mother, you can take the total minimum amount required from just one of her IRAs.
If you do take the minimum amount from just one inherited IRA, you may have to adjust how much you report taking from each.
Using the example, if each IRA required $20,000 but you took $30,000 from one and $10,000 from the other, you would report $30,000 and $10,000, respectively, as the RMD for each account.
The total RMD you report for all IRAs inherited from the same person must match the actual total, even if the amounts from specific accounts vary.
Note that this cannot be done with inherited IRAs from a different person. So, for example, if you also inherited an IRA from your father, you could not use distributions from that IRA to satisfy the RMD of the inherited accounts from your mother.
@klbonzo
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