I got two different answers to my question and tried them both. Both answers were very clear and easy to follow. Thank you for that. BUT Turbotax gave me a very different answer for each.
Using volvogirl's method, Turbotax gave me a Federal tax bill that was $2500 less than MaryK4's approach. This may be a Turbotax bug. Can they both be right? I hope this community can see this whole thread and try the same experiment so we can get this solved soon.
thanks
