Taxation on RMD from a Traditional IRA when I have no earned income.
Three part question- I was notified by AIG Insurance co. in June of 2023 that I had pension money owed to me since 2015 (when I turned 65) and they couldnt locate me all that time. I requested the amount ($28800.)as a lump sum payout and transferred directly to my Traditional IRA. It was deposited in August 2023. Do I have to include this balance in the calculation of my 2022 RMD. Second- I took an RMD from accounts that I had as of 12/30/22. I received $2100.00. I did not have tax withheld. My husband and I file jointly and do not have any earned income, only social security benefits. Do I need to file a return and pay the 10% federal tax. Third- Now that interest rates are going up on savings accounts, if I receive $10.00 or more in interest in tax year 2023, will I have to file a federal return just for the interest earned and my RMD for 2023? Thank you.
