Thanks. Here’s a link to a column I wrote a few weeks ago on that subject. The bottom line is that anyone who took a RMD AFTER February 1, 2020 can “return” it withinn 6 months with no penalty. (Any withheld taxes must stay with the government, but you can claim them as a credit next year or reduce quarterly estimates by that amount).
BUT — as it stands now — if you took a distribution in January, you CANNOT return it and let it grow. That’s just a quirk of the law. So spend it or save it. But it’s yours and you owe taxes on it this year.