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I am SO frustrated.  I'm having this same exact issue, but still unable to get past the Keychain password, even following the steps you suggested above.  It's a brand-new installation of 2022 Turbo-tax.  I've used Turbo-tax for years and have never used Keychain to store my passwords for it.  Why is 2022 now requiring Keychain when it never has before?  Also tried the suggestion of using my normal Mac sign on password, but that one doesn't work either.  Reboot also didn't resolve my issue.