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I have corresponded with the TSP in regard to their calculation of my RMD and their policy to exclude the use of the Joint Life and Last Survivor Expectancy Table in RMD calculations. They indicted that they have the "authority to create plan rules that govern payments from the TSP" and that "TSP may pay a monthly payment that exceeds the RMD amount than what is required by the IRC or IRS regulations." They cite the size of the TSP and difficulty in obtaining and verifying the spouse and other beneficiary information necessary to calculate RMDs using the Joint Life and Last Survivor Expectancy Table.  I understand that the TSP can force participants to take distributions that exceed the correct RMD.  I do not believe that the TSP is following 25 CFR Section1.401(c)(2)(i) IRS rules for calculating RMDs for participants who have a sole beneficiary spouse that is 10 years or more younger.  The IRS guidance indicates that  the RMD recipient is ultimately responsible for calculating and withdrawing the correct RMD amount.  I intend to make an indirect rollover to a traditional IRA with the excess RMD distribution amount . 

What kind of 1099 are you asking about?  There are over a dozen kinds of 1099's.   Are you asking about a 1099NEC for self-employment income, 1099R for retirement income, SSA1099 for Social Security, 1099B for investment income, 1099INT for interest, etc etc. etc.?????   EIN = Employer Identification Number

Sounds like you are letting "Google" confuse you.   No one files more than one Form 1040.  You will prepare a Form 1040 that includes ALL of your income--including any W-2 income (if any) and your self-employment income. If you have W-2's from more than one employer, all of your W-2's must be entered on the same tax return.    If you have self-employment income from several clients, then it is possible for you to have more than one 1099NEC to enter.    There are other kinds of 1099's -- like 1099R, 1099B, 1099INT, 1099DIV, etc etc.--so if you have any other kinds of 1099's (you might not have any other kinds) then all of your 1099's must also be entered on the same tax return.   When you have self-employment income, you have to prepare a Schedule C to enter your business expenses, such as mileage.  And you have to pay self-employment tax for Social Security and Medicare.   If you have self-employment income for which you will pay self-employment tax for Social Security and Medicare,  you will need to use online Premium software or any version of the desktop software download so that you can prepare a Schedule C for your business expenses.     https://ttlc.intuit.com/community/self-employed/help/how-do-i-report-income-from-self-employment/00/26653   https://ttlc.intuit.com/community/self-employed/help/what-is-the-self-employment-tax/00/25922   https://ttlc.intuit.com/turbotax-support/en-us/help-article/import-export-data-files/enter-self-employment-business-expenses-like-home/L1k6HJY4A_US_en_US?uid=m6jrthmp   https://ttlc.intuit.com/turbotax-support/en-us/help-article/self-employment-taxes/self-employed-expenses-deduct/L37ZS1B8T_US_en_US?uid=m6fntpg7      

AI chatbots almost always provides erroneous information in regard to taxes.  Never use them for obtaining tax information.  Qualified disaster distributions are not reported on Form 5329.  See the instructions for Form 5329.

@sunk818 You posted to an old thread that has had no activity since 2022.   In the past couple of years, there has been a change to the name of one of the online software versions ---which is what the original post in this thread referred to.   There is no longer an online "Premier" version of the software.   For 2022, there was online Premier or online Self-Employed.    Those versions have now  combined to become online Premium, which is the online version of the software that can be used to prepare a Schedule C.   With desktop download software, you can prepare a Schedule C with any version, including Deluxe.   If you have desktop Premier, you can, in fact, prepare a Schedule C, or you can upgrade to desktop Home and Business if you need more help in the interview screens to prepare your Schedule C.

There is no need to wait to do the 2013, 2022 and 2023 Forms 5329 Part IV.   I made a mistake in my previous post.  Because the correction of the 2021 though 2023 excess occurred in 2025, this distribution will go on your 2025 Form 5329 IV not your 2024 Form 5329.  Part IV of your 2024 Form 5329 will still show these excesses subject to penalty for 2024.  The 2025 distribution to correct these will be on a code J Form 1099-R that will be reportable on Part III of your 2025 Form 8606.  I'll correct my previous post.

https://ttlc.intuit.com/community/charges-and-fees/help/why-can-t-i-deduct-my-turbotax-fees-from-my-refund/00/25621   If your refund is enough to cover your TurboTax fees PLUS the extra “refund processing” fee of $40 ($45 in CA) and your forms are ready then when you are in the FILE section you can choose to have your fees deducted from your federal refund by a third party bank, who will take out your fees and send you the rest of your refund after the IRS issues the refund.    Please make note that if your refund takes too long to arrive (IRS delays, etc.) then you will also be agreeing that the TurboTax fees can be extracted from your bank account even before your refund is issued by the IRS.  This comes as an unpleasant shock to many people every year.      If you can possibly pay your fees upfront using a debit or credit card, it will save you that extra fee and even more importantly, the possible aggravation and delays that are often the result of poor handling/poor customer service by that third party bank.  We see way too many instances where refunds are delayed for months when users choose refund processing. There have been lots of complaints; there are a number of things that can go wrong when you use refund processing.  I suggest avoiding that situation if at all possible.     And....you can never pay state tax due from a federal refund, so do not expect that.   The state tax due has to be paid directly to your state.     What is Refund Processing Service?     How can I see my TurboTax  fees?      https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/review-fees-turbotax-online/L1XnIzgzg_US_en_US?uid=m682vq7k    

If you owe tax due, you have to pay it yourself by the filing deadline on April 15, 2025.  If you are late you may receive a bill from the IRS for interest owed on the tax due.      If you have federal tax due you can pay by mailing your payment with the 1040V voucher, (which has the address printed on it, having the payment taken out of a designated bank account, or you can pay directly on the IRS website.    https://www.irs.gov/payments     https://ttlc.intuit.com/community/tax-payments/help/how-can-i-pay-my-federal-taxes/00/26212     https://ttlc.intuit.com/community/tax-payments/help/how-do-i-pay-my-irs-tax-due-with-a-check-or-money-order/00/26403      To apply for a payment plan with the IRS   Apply Online for a Payment Plan     You must pay your state tax due using the state’s preferred method of receiving payment.  For most states that will be by making a payment to the state’s own tax website, or by mailing a check or money order.     https://ttlc.intuit.com/turbotax-support/en-us/help-article/state-taxes/contact-state-department-revenue/L9qVToi02_US_en_US?uid=m6e06um0   WHAT IF I CANNOT PAY MY TAX DUE? https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-payments/pay-taxes/L8aQBCpPO_US_en_US?uid=m9iryksw

Thanks fanfare!   I'll work on get some forms put together and will share them here.   I've been poking at some AI tools and have found that helpful but also have gotten some answers that look wrong to me. Here's an example:  

It depends on whether you have heirs that you would want to inherit a Roth IRA. It also depends on how long you expect to live. At age 73 you must distribute actual RMD, which cannot be converted to Roth IRA. Figure you have to start RMDs at 71 (old rule), but the distribution can be converted to a Roth for the next two years.   @User0001 

Thanks dmertz--that's very helpful! It sounds like I put the NIA of $316 on both lines 1 and 2, along with Code 21. Part IV looks pretty straight forward. There's some math to do there but the instructions seem clear. I'll do one for each year. Also will fill out one Form 8606 (2024) for the 21, 22 and 23 portions of the distribution. Do you recommend I try to tackle this now, or wait until I have the 1099Rs in January?

Q.  I asked a friend and he said there is absolutely nothing I could do to maximize the LLC because I hit the $2,000 limit at $1,400 + $600. Is that correct? A. Yes. The LLC is  $2000 max per tax return, unlike the AOC which is $2500 max per student.  The LLC is a non refundable credit, so you would have to have a $2000 tax liability to get the max.    Q.  How to maximize Lifetime Learning Credit (LLC)? A. The LLC is 20% of qualified educational expenses (QEE) paid. For the LLC, QEE is tuition and fees only.  Books and computers don't count.  If you have less than $10K of QEE, you can't get the maximum LLC.    See my post on the 5 main points about the 1098-T for  the scholarship  loop hole to get more education credit. It's not as lucrative for the LLC as it is for the AOC (it's 20% for you vs whatever the student's tax rate is, which could be 0% or as much as 22%, but typically 10% -12%. The "kiddie tax" could apply).  https://ttlc.intuit.com/community/college-education/discussion/i-need-help-with-1098t-section-college-expenses/00/3451036 See 2nd reply   {Edited 5-27-2512:15PM PST}

You will have to contact TurboTax support for assistance with this problem. Use the key words Billing Issue See this TurboTax support FAQ for contacting support - https://ttlc.intuit.com/turbotax-support/en-us/help-article/account-management/turbotax-phone-number/L0Od33nMQ_US_en_US?uid=lfgviwbm