Hello kk3gks,
Thank you for participating in the Ask the Experts Event. If I understand your question correctly, you do not currently have any passive activity for 2020 or 2021 to use the loss carryover against, correct? If so, technically, you should include them in those years so that the carryovers are clean and continuous from year-to-year to avoid any confusion or complications.
TurboTax Premier and higher is the product that would allow for that. If you choose to amend those returns, you would need to manually enter it for each year and also for 2022 where TurboTax would then carry it forward each year thereafter.
If you are a gambling person, you could just included it in 2022 but be prepared to explain with documentation to the IRS if they come knocking why it was excluded from those two years.
I hope that helps.
