I must admit I didn't know this, much I fancy I am up on stuff, and no one let me know, either.
Are you all aware that there is no requirement this year to withdraw on IRAs (the minimum distribution thing)? Don't take my word for it; but I found out through AARP. It has to do with interest rates having taken such a dive this year, and many elders having lost substantial interest; so this is to allow them some recovery.
I don't know how many this would help. But just in case. And, again, don't take my word for it; check with your own bank. Lots of wise financial minds on Forum, so maybe you can chime in if you know this to be the case.
By the way, this is for 2020 only, unless they extend it next year.