#1 Calling it an indirect rollover, my IRA provider said I could return the net or gross amount of my 2020 RMD which I took in Jan 2020. The difference between net and gross is the state and federal taxes I had withheld. If I return the net amount and not the gross, I assume the difference between the two would be considered a distribution for tax purposes. Is that correct?
#2 My wife also took her RMD this year with another IRA provider. If she returns her RMD, and I do too, would that be considered two rollovers in the same tax year?