Jake54 - thanks for your post since I did not think about excluding the application - although I am updated and have the win pro version, I use Bitdefender, not Defender so the Defender options did not do any good. I initially excluded in Bitdefender just the folder where I keep my turbotax files, but that didn't suffice - seeing your post it dawned on me it was the turbotax application doing the saving so that is what needs to be excluded - all works now - so thanks Jake!
