GREAT ANSWER for the 2nd part of this response!! Somehow Turbo Tax never showed me the screen asking if I wanted to defer SE tax - so it assumed I did & kept giving me an ERROR. However, when I went to the step-by-step view IN THE SOFTWARE & clicked PERSONAL/DEDUCTIONS & CREDITS/TAX RELIEF RELATED TO COVID-19/Self-employment tax deferral. I clicked UPDATE & there was the elusive question asking me if I wanted to defer. I said NO & my error disappeared. YEA. Thanks so much for this answer.
