IRAs for two

[David Kinzel]

Between us we have 3 IRAs, 2 for her, one for him. He is 1 year older and RMD happened for him in 2018.  RMD would have happened for her in 2020.  But the rules changed and RMD for her was moved to 2021 - next year.  We had already planned for her to withdraw enough for her RMD in the form of a checking account used for charities.

Since RMD is now not required for her, the question regarding charity does not appear, and the 1099-R does not reflect the charity option anyway.

Is the easiest way to handle this to take the income from that IRA and then deduct the amount on Schedule A?

[dmertz]

2020 TurboTax presently (version R14) has a bug the prevents it from asking the necessary QCD question for those with a birthdate between July 1, 1949 and June 30, 1950. As a workaround for this, with the CD/download version you can provide the QCD-amount information on the 1099-R in forms mode or in any version of TurboTax you can temporarily change your birthdate in TurboTax to something before July 1, 1949, edit the 1099-R form in TurboTax and answer the question asking how much was transferred to charity, then change your birthdate in TurboTax back to your actual birthdate.

[David Kinzel]

Thank you.

So I've moved on and discovered that I cannot enter Social Security info for her.  The fields are there, but inaccessible.  Any clues?

[David Kinzel]

Well. There is an anomaly where the imported tax file, say from a previous year,  has a DETAIL screen that has entries as details.  The fields which are not accessible for typing directly into can only be reached when one  double-clicks the entry to get to the DETAIL lines to actually add data...

[fanfare]

Sounds like she and he have figured the solution to their problems.