So direct funding vs indirect funding has to do with how the $ is used. It's basically just overhead. Ex: Let's say you get a 500k grant and you're a college professor. You spend 20% of your time that would've been used teaching doing this research instead. The university needs to recoup 20% of your salary off the bat to hire a new teacher. You're also using labs with mortgages, electricity, campus security, taking up space no one else can use, blahblah. There are also administrative overhead costs like me - a grant specialist. Typically (but not always b/c some grants require something different), there's a federally negotiated allowable indirect funding rate ivo 50% that goes on grants. When there isn't (such as with an NGO), we usually use that same rate... but some grants specifically disallow its use. As you can imagine, the powers that be in the university are not fond of that type of grant, but if we're going to move up in the research world like they want us to, we can't really turn away research $.
With that in mind, would it make sense for me to keep tblGrants the way you suggested it but just add a field GrantIR (grant - indirect funding requested) besides GrantDR (grant direct funding requested) instead of making a tblIndirect? If I did its own table, I'm not sure what I would put into it besides GrantID as an FK (I think?) and the amount of indirect funding requested. I imagine based on your organization that indirect funding awarded would go in tblAwards.
Another benefit I didn't see until I started doing this is that I think it's going to make the reports a lot easier. I had a vague idea of populating reports with vba if I couldn't use the wizard to do it, but in retrospect that feels like a kind of dated way to do things that would probably create more problems and questions. I think I can just add a field "GrantStatus" to tblGrants then limit it the field to Awarded/Pending/Declined (using validation or something? idk how to sanitize entries; I only know the term b/c of this xkcd joke I saw years ago:)

... and add an FK to the PK of tblAwards, use whatever black magic links the tables (I still have no idea how FKs work - that's my next step I think), then when I need to do reports I can just do a report based on what's in tblAwards and spit it out, then another rpt based on anything that has status "pending" in tblGrants... I think. Idk I'm still trying to wrap my head around this multiple-table thing 😅 . I can't believe how helpful you guys are. 100% if I hadn't posted here, me (or worse, someone that came after me) would be posting here in 5 years about a database w/ 1000+ jacked up field made by an idiot that they needed to fix. I imagine it would be like trying to repair a ship while it was both sinking and still being used lol. You guys are awesome.