Deductions & credits

Updated information.  I believe in "baby steps".  So I copied my federal tax return file and started from the beginning, by just entering my only W-2.  I have income, employer paid life insurance, 401K contribution, HSA contribution and employer paid healthcare cost.  Basically entered whatever appeared on my W-2.

 

When I entered the W-2, the "income" under the federal review appears $3480.00 less.  Then when I entered the HSA worksheet, my "income" drops by the entered HSA.

 

When my Excel spreadsheet is manually adjusted by the Turbo Tax, everything matches.

 

Any guidance.