I am not trying to take any advantage of tax system.
Option 1 - take RMD on Monday. Then move money to ROTH on Tuesday. Perfectly legal. All is fine.
Option 2 - Move money to ROTH on Monday, and then take out RMD on Tuesday. That causes big problems and subject to 6% penalty.
Here is the crazy part. The money involved is the same in both situations. Not tax advantage doing it one way vs the other. The RMD amount was FIXED back on Dec 31st.
