QUALIFIED CHARITABLE DISTRIBUTIONS- Please advise if you agree or disagree with this scenario regarding QCDs

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Here’s more good news for y’all if you use the QCD’s. Since Joe is still working, he can still contribute to a Roth IRA or a traditional IRA. We can’t since we have no earned income (income from employment). Let’s just say for simplicity’s sake, you give $6000 to the church each year and your RMD for both combined is $6000 for the year. The annual $6000 distribution or 12 $500 monthly QCD distributions to the church from your IRA is not counted as income on your tax return so you don’t pay taxes on it. And if you put the $6000 (earned income) out of your pocket that you would have given to the church back into the traditional IRA that the QCD came from, that money isn’t taxed either on your tax return and your IRA balance doesn’t change. But it would be taxable later once you take it out of the IRA to use to live on. If you put the same $6000 into a Roth IRA you won’t get any tax benefits in the year you invest it but it’s tax free once you take it out to live on.