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All RMDs have been suspended for 2020, or you would have had to take one based on the 401(k) money.

Not necessarily. The plan may have rules that if someone works a certain number of hours, weeks, months or until a certain day during the year, they are considered an employee long enough to not be required to take an RMD. These type of rules are written so that an employee retiring as of, say, Dec 15, isn't required to try to take out an RMD before the end of the year. (Considering that it took a full month after I retired for everything to work it's way through the system so that I would be able to take a withdrawal from my 401(k), I would guess that most plans would have some sort of limit that ended no later than Nov 15 or so, but it could be as soon as Jan 2.) So it would depend entirely on the plan's rules.

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