I appreciate you provided hypothetical datapoints, but if the real numbers are near what you provided as the hypothetical, then the social security numbers are what is impacting this.
before you change anything, look at each number on the Form 1040, lines 1-11b. write them ALL down.
then add your $10,000 in
then check Form 1040, lines 1-11b again. what changed unexpectedly? i bet it's line 5b
let me know what you find!
