I have, after following a TIAA communication on this subject. I don't necessarily need the distributions to meet our living expenses (which have declined since sheltering started) and I do want to reduce our taxable income. TIAA spells out a complicated (to my mind) way of returning the Jan-April RMDs, along with the taxes withheld, as a way to further reduce taxable income. I have to pay closer attention to checking account balance now that there are no monthly deposits. I'd like to know what other seniors are doing with their RMDs.