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Yes, I was just addressing a QCD in 2020 only. It seems that QCDs may conflict with your IRD deduction. In other words, once the IRA is drained and you have not applied the balance of your IRD deduction due to QCDs, you will lose the remaining IRD deduction. You should do the math and compare the current IRA balance to see how much it exceeds the remaining IRD deduction. You might then want to limit your QCDs to that figure to avoid losing some of the IRD deduction, but of course you do are not required to limit your QCDs other than the 100k limit.