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This year was my first time using TurboTax, the Desktop version.  The returns have been e-filed and thus there is no urgency for anyone to respond to this question.  That said, when I purchased TurboTax in December 2024 I had the expectation that the product would collect all our information and display the refund/liability scenarios for Federal and State based on Married Filing Jointly versus Married Filing Separately.  Instead, I (apparently) had to work up three different tax returns:   My wife and I filing jointly Me filing separately My wife filing separately I don't understand the need for redundant data entry and I hope I have overlooked some feature which would have saved a lot of extra work.  Please let me know, thanks. Also on the topic of redundant data entry, I had to reenter the bank information when e-filing each return for a total of 8 times for the bank name, 8 times for the routing number and 8 times for the account number.  I don't mind so much being asked to reenter the info once to confirm the entry, but I do expect software to retain the bank information at least as long as TurboTax Desktop is running, and it should prompt me "Use the previous bank account?"  Instead, I had to enter the bank info for my Federal return, my State return, my wife's Federal turn and my wife's State return.  Two times each due to the confirmation.  This makes for a terrible UX.  Please tell me I overlooked some profile setup where I might have been able to establish that banking information at the outset.

My family member was the beneficiary of a 401k was worth about $200,000. In 2023, they chose to withdraw the full amount and pay all taxes and fees upon withdrawal. The beneficiary has been disabled for 30+ years and has never filed their taxes due to being on disability with no income from working. They recently received a letter in the mail stating something along the lines of filing taxes related to the 401k withdrawal. I am trying to help them with this because they have not done their taxes before and are not very tech savvy. Is it possible that they would have to pay additional fees for the past withdrawal?