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Thank you so much for all the helpful info and advice. So if no SE income we are good and no est. payments needed. Just have to remember if any new SE income arises to make sure we had paid 90% of the future taxed owed before the end of the year. I assume doesn't matter if is just one lump payment in last Q or something like that. Thanks again.

You can use the TurboTax program to complete your tax return and then print and mail it in.   If you used TurboTax Online you can:   Sign in to TurboTax. Continue your return Select File in the menu. You'll see 3 steps. Complete Steps 1 and 2  if you haven’t already, then select Start or Revisit next to Step 3. On the screen that says "We've determined the easiest way to file your taxes" screen,  Select "Change" next to the return you want to file by mail, and  Select File by mail on the next screen. Make sure you save your return. If the File by mail option isn’t available, you probably previously selected to pay your TurboTax fees through your tax refund. To file by mail, you’ll need to instead pay with a credit or debit card. Here’s how to change your payment method from pay by refund, to pay by credit or debit card. Once you change your payment method, you'll see the File by mail option as described above. Select this and continue to the next step. Note: You’ll need to pay any tax balance due by check when you file by mail. Update the payment method for your TurboTax fees for all of the tax returns you wish to file by mail. Follow the instructions to print your return(s). If you haven't already paid any outstanding TurboTax fees, you'll be prompted to do so before you can print. If you are using TurboTax Desktop, you can:   Open your tax return and select the File tab, then select Continue. On the screen that says " E-file Your Federal Return",  Select" File by mail" and then " Continue". Continue through the screens until you get to the screen that says "Print Tax Return for Mailing" Select "Continue". On the next screen, select "Print Returns to Mail", then  Select "Preview Print Copy".  Once the preview has opened, select the printer icon..   When finished, select "Continue" in TurboTax and follow any additional onscreen instructions.     Click here for How do I file my return by mail?    

Thanks for the quick response.   Here's a little more information to help clarify.  In all three years Form 8606 was created, but I had not carried over the total basis in Line 2, and I had not entered Roth recharacterized to nondeductible Traditional IRA in 2021/2022 with correct contribution amounts (I had used the recharacterized amount which had earning/losses) and the conversions to Roth were not showing on the form 8606.  I did not deduct any of the contributions in any year.  The conversions were under the basis as the account balance was less than the contributions.  So no tax impact with any of the corrections. It was planned to be a backdoor contribution.     I was able to finally figure out where I had entered incorrectly in TurboTax and amended using TurboTax for each year.  2021 - 1040 Lines 4a/4b are blank on original and amended 2022 - 1040 Lines 4a same amount and 4b are blank on original and amended 2023 - 1040 Lines 4a same amount and 4b are blank on original and amended   So based on this I should mail in 1040-X and Form 8606 only, in separate envelopes for each year.   Question: Should I print out and use the 1040-X that TurboTax created or create one from scratch as you mention?

thank you - i did spend some time trying to find an import option - i have 4 to enter, and i always worry about making an error w/ my typing - but now i know i will just have to be extra careful when entering manually... 

I found where to fix the cost basis on TurboTax, so that is now fine. I owe another $9. I hope you don't mind answering a few more questions - I would greatly appreciate it, if you can.   1. Does what you describe above for a complete sale also work for partial sales? I had a few partial sales of different MLP's for this year.   2. Energy Transfer is very complicated, it appears. I ended up doing five K-1's for that alone, based on recommendations here and in TurboTax. One for ET (Bus), one for ET (Real Est), one for Sun (Bus), one for Sun (Real Est) and one for USAC (Bus). My question, is can I do all the sales information for just one of them (ET (Bus))? They don't break it up on the sales schedule.    3. Form 8990. Apparently TurboTax does not handle this. Two of the MLP's have $0 for Box 13 Code K so I assume I do not need them, but ET has $778 for Box 13 Code K. How do I handle this?   I apologize for all the questions - thank you again.  

I would like to take a deeper look at this. However, I need a diagnostic file which is a copy of your tax return that has all of your personal information removed. You can send one to us by following the directions below:   TurboTax Online: Sign into your online account. Locate the Tax Tools on the left-hand side of the screen. A drop-down will appear. Select Tools On the pop-up screen, click on “Share my file with agent.” This will generate a message that a diagnostic file gets sanitized and transmitted to us. Please provide the Token Number that was generated in the response. TurboTax Desktop/Download Versions: Open your return. Click the Online tab in the black bar across the top of TurboTax and select “Send Tax File to Agent” * This will generate a message that a diagnostic copy will be created.  Click on OK and the tax file will be sanitized and transmitted to us. Please provide the Token Number (including the dash) that was generated in the response. *(If using a MAC, go to the menu at the top of the screen, select Help, then, “Send Tax File to Agent”)  

You can use the link below to contact TurboTax:   Contact Us If you need to file for an extension, you can follow these steps:   Sign in to TurboTax. Select File an extension in the menu or go to extension. You can also select Tax Tools then Tools from the menu and choose File an extension. Follow the instructions to e-file your extension. Note: You can't file an extension after April 15, 2025 For more information see the link below:   How to file an extension

Ok, so on my W2, box 12AA, Roth contributions, I would just leave the number exactly as it was on my w2 (66k) ?  Even though it will look like I over contributed (as 50k was the loan). Or go ahead and do the math, put 16k down as that was the actual contribution minus the loan? 

Thanks for the answers. I find it weird that when you just change your W-2 income by play minus 10,000 and compare to adding it back, there is no explanation why it is 27.8 % not 22% listed in the irs income bracket? Even by adding 3.8% investment, it won’t get 27.%