I've been confused each year and had the same dilemma. TT should have expanded the explanation & guidance by now but it remains a quicksand trap. Finally got some guidance and here is a great link to describing how to proceed: <a rel="nofollow" target="_blank" href="
https://ttlc.intuit.com/replies/7271468">https://ttlc.intuit.com/replies/7271468</a>
