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I have not been required to take an RMD from the 401K while I continued to work. Do I need to take an RMD from the 401K money for my 2020 tax year or does it start in 2021?

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

You will have to take an RMD in 2021 based on the balance in your IRA(s) as of Dec 31, 2020. Note that for someone who has multiple IRA accounts, whoever holds those accounts for them will report the balances of each one. Such a person would have to calculate the total RMD based on the total from all such accounts, but there is no requirement to withdraw the money proportionally from the different accounts. As long as the person meets the total RMD requirement it is their choice which accounts it comes from.
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