First, double check that you have a NOL. A business loss does not necessarily mean an NOL. A NOL happens when the TOTAL net income on your ENTIRE tax return is negative.
Second, the information that was given to you is wrong is so many ways. TurboTax does not calculate a NOL, so you need to manually calculate it. And the 'default' for an NOL is to carry it back 5 years. If you do not want to carry it back, you need to "waive the carryback" in order to carry it to 2021. If your income nearing NOL status, the program should ask you about that.
If do have a NOL and you decide to "waive the carryback", you will need to MANUALLY calculate it and MANUALLY enter it in the 2021 program. Or go to a tax professional.
