My wife and I have 15K of Schedule C losses ( new business no income in 2022). We are retired and have income from SS, IRA distributions, and Pensions. I show a 10k refund until I enter my last 1099-R for my pension. As soon as I enter it the refund goes down to 3k. I don't understand. As a test I created another return that had no business income or loss, just the 1099s. The refund is also 3K. Why would the business income disappear? I updated to Home and Business last week thinking that it would make things easier. Any help would be appreciated.
