Extra question - I turned 73 this year so will be taking my first RMD (for 2025). I can take it in Q1 2026 (special first year rules) if I wish. I have already made some QCDs from my IRA in 2025.  Will those 2025 QCDs reduce the remaining 2025 RMD only if I take the RMD before dec 31 or will it reduce the remaining 2025 RMD even if I take it in 2026?  (Assumption - there will be no federal tax on the QCD portion - the 2025 RMD is taxable in the year I receive it - let me know if this is wrong)