You are absolutely right, it is complicated and to much reading, so I've tried to get help the the turbo tax folks and yep you guessed it ZERO. Let's see I've been using turbo tax since it first came out. At first everything went well but more recently those little red review dings are showing up and I just can't figure my way around it. So at this point I concluded that turbo tax is no more that a spread sheet for me. And I just ignore those little mistakes which don't seem to amount to much is bucks. Gee what a deal! But then we can't e-file with those little red dings, so since turbo tax really isn't any help, just a glorified spread sheet, I just print it out and mail it to the irs, funny put the 2 words together and it spells , theirs, and so it is. This time I made the mistake of paying for the state tax for e-file, $20, and now that red ding won't let me e-file. But as useless as TT is I'll probably have to get the CC to dispute the charge. So there you are. It's a bummer. David L Ramirez
