Craig, can you help us out with something? I just built a brief case on a business, and sure enough, TurboTax did ask me about whether or not I was covered by a plan at work.
So, (1) please tell us what platform you are using, Online, Desktop/Windows, or Desktop/Mac? Are the Desktop platforms up-to-date?
(2) Tell us which version of TurboTax you are using: Deluxe, Premier, or Home & Business?
(3) Now please look at the path that I took in TurboTax:
I went to the Deductions & Credits->Retirement and Investments->Traditional and Roth IRA Contributions->Start/Update
My screens - I use Name for your name, Spouse for your spouse, enter the title of each screen in the first spot on each line, enter the major question on the screen in the second spot on each line, then enter what I entered in parentheses.
Tell us about your IRAs (a traditional IRA for one spouse)
[Name]'s Traditional IRAs - is this a repayment of a retirement distribution you received? (no)
[Name]'s Traditional IRAs - enter total contributions to traditional IRA for 2025 - (7,000 - 0 after 1/1/26)
[Name]'s Traditional IRAs - did you recharacterize any contributions to a Roth? - (no)
[Name]'s Work Retirement Plans - are you covered by a retirement plan at work? - (no)
[Spouse]'s Work Retirement Plans - is your spouse covered by a retirement plan at work? - (no)
[Name]'s Traditional IRAs - did you contribute more to this IRA in 2024 or previous? - (no)
[Name]'s Traditional IRAs - any nondeductible IRA contributions to your IRA from 2024 or before? - (no)
[Name]'s Traditional IRAs - value of all IRAs on 12/31/2025 - this means an excess has been found, or it wouldn't ask
[Name]'s Traditional IRAs - you had excess contributions of $495 - this happens to be equal to SE tax, i.e., my net income for Sch C after SE tax was $6,505
So, as you can see, I was asked about plans at work for me (you) and the spouse, right after the recharacterize question.
(4) Can you give us this same summary of your screens? I am sorry to ask, but since we in the Community cannot see your private tax data, we are at a disadvantage, especially when our tests don't work the same.
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