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Retirement tax questions
On your HSA Summary, some thoughts:
1. Yes, the screen says you can edit these numbers, but no you can't. You have to go back into the HSA interview or even to your W-2 to change anything on the Summary.
2. Deduction $1,987 means that you have this deduction on line 13 of Schedule 1 (1040). You can check this.
3. If #2 is true, then this suggests that you somehow entered this $1,987 contribution twice - one time it was actually deducted and the second amount became the excess.
4. Two possibilities come to mind:
4.A You saw and entered $1,987 on two "Let's enter [name]'s HSA contributions" screens. Since you said your wife does not have an HSA, I assume that you did not see this screen for your wife, but I have to ask.
4.B You had a carryover of excess HSA contributions from 2024 of $1,987. This is entered by TurboTax as a "personal" deduction on your 2025 return on line 2 of your 8889. This is an attempt to "use up" the excess in the subsequent in order to stop the carryover penalty.
I don't remember if you are using the Online or the Desktop version of TurboTax. If you are using the Desktop version of TurboTax, then go to Forms (upper right) and look for form 8889-T. I don't know if the carryover amount will appear on line 2 (it did not used to), but the arithmetic will act as if there is this carryover amount on line 2 even if it is not printed.
If you are using the Online product, then go to the "Let's enter [name]'s HSA contributions" screen and remove the $1,987 from the second line ("personal contributions"). Then continue with the interview and look for two things:
1. You do not see the excess contribution message, and
2. The HSA Summary still shows the "Deduction $1,987" on the first line. As I noted, you can check that this is on your return by looking at line 13 of Schedule 2 (1040).
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