"Since it’s not a required payment at that point, all the responses about putting in”zero” to the TurboTax question about required payments seems correct."
The suggestion was made as a general solution regardless of your age. TurboTax has issues with Form 5329 this year.
Your RMD is your responsibilty. We're all on the honor system here.
IRS will only poke into your calculations if they decide to audit you for any reason.
Or the IRS computers get smarter ( AI ?) and examine your returns for discrepancies.
If that happens the penalties will accrue to all years back to the original year of the omission.
IRS changed the way they explain the age 73 rules. Maybe it is more confusing.
Jan 1 to April 1 of the year after you turn 73 I call a grace period. It is for people who haven't paid attention to their upcoming RBD (required beginning date) which is the year you turn 73 .
OR you can look at it the way IRS explains it.
@Ken5151
