I am sure why you are asking me to upgrade. I did not have a business. Why should I file Schedule 3, Nonrefundable Credits? I am confused

With the new tax law, comes new schedules and they can be confusing. Schedule 3 includes the following non-refundable tax credits:

• Foreign tax credit
• Child and dependent care credit
• The nonrefundable portion of the American Opportunity Credit
• Lifetime Learning Credit
• Retirement savings contributions credit ("Saver's Credit")
• Residential energy credit
• Other credit from Forms 3800 and 8801.

If you have any one of the above you will need Schedule 3.