then don't use it 🙂
As the software is clearly marked, the return can not be filed at this time and the IRS doesn't open up the 2019 filing window until the last week of January in any event.
the HSA difference is $100 and the federal tax implications are no more than $39. Unless EVERY other income and deductible item is locked down with no expectation of ANY changes between today and December 31st, how can this be material?
TT is giving it's customer base a choice: use half baked software for estimating purposes until the IRS filing window opens up or not use it until Late January. I'd rather use the half baked software as an estimating tool as the next Estimated Tax Payment is due on January 15.
