OK, time for a painful confession...
I was taking my figures from the 2024 tax information provided by my broker. The provided RMD sheet clearly states that the cited amount applies to the 2025 distribution based on my account balance as of 12/31/24. So my 2024 RMD, documented in last year's paperwork, was smaller than the distribution required to take place in 2025 (the one I was entering into my return), hence the penalty!
For others who are suffering under this "glitch", I recommend you go over your figures and see if you are doing something similar.
To SPQ, arusso03, TerriLa and anyone else who may have been getting grumpy about this topic, thank you for your kind words and thoughts.
To TurboTax, I apologize for my evil thoughts and unhappy words, uttered in confusion and distress. I am back on board...
