Right - save yourself the trouble for filling out a bunch of almost identical forms and risk a huge bill that could be thousands of dollars depending on the amount of RMD's missed. To fix that would probably involve getting a tax attorney and possibly tax court. It is best to follow the letter of the law because the law is on the IRS side.
Once the IRS receives the 2019 5329 and the letter, they are much more likely to check prior years and apply a penalty. One they do that, a waiver is much more unlikely.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
