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We cannot see your screen, your return or your account.  Have you entered ALL of your 2024 information?  All your income, etc.?    There are a lot of variables that affect your refund or tax due including how much you earned, how much tax you had withheld, your filing status, the number of dependents you claim, your deductions and credits, etc.  You may have lost Earned Income Credit or the Child Tax Credit— did a child turn 17?  If you received the EIC last year, remember that changes in the amount you earn have a big effect on the amount of EIC you can get. (Sometimes earning more money means less EIC)  Are you 65 or older ?  If so, your standard deduction is higher. Everyone has a higher standard deduction now so it is harder to use itemized deductions.   And of course, always check your own data entries, looking for errors such as misplaced decimals or extra zeros.   https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/refund-go-compared-last-year/L97JmhUbi_US_en_US?uid=ld9ijm41   Print out 2023  and 2024  and compare them side by side to see what is different.    https://turbotax.intuit.com/tax-tips/tax-payments/video-why-would-i-owe-federal-taxes/L3VXudPiN    

I think you're looking at this wrong.  Your husband received $185 in income for a sale.  That still needs to be reported as income and will be taxed at the self-employment rate after expenses are taken out.  THEN you can take a deduction for contributing to your HSA.  That deduction will be less because of the 6% penalty.     Then, on your 2026 return, you will need to show that you took the $185 out and then made the full allowable contribution separately.  Even though the money technically just stayed in there.   Either way the tax savings that you are looking for just isn't there with leaving the money in.  I recommend you just pull it out.   @x9redhill 

Thanks for your reply, Robert. I didnt mention that I am no longer employed.  So specifically since this money is from only my contributions , not earnings, can I roll it back to the Roth from which I distributed it on 2/26/25. (The 60 day period ends on 4/26/25)

Once your return is filed, TurboTax has no control over the processing of your return or the release of your refund.   Here are a couple FAQs to track your refund: When will I get my federal tax refund? How do I track my state refund? Why does Where's My Refund say "approved" but TurboTax still says "accepted"? Why do some refunds take longer than others? What if my IRS refund is taking longer than 21 days?

Yes, because if it is not a rollover you are limited to the amount that you can contribute to the ROTH by your earned income for the year.  And it can't qualify as a rollover after 60 days.   @vor17tex 

Once you get into your account, go to the File an extension. When you click on file an extension, it comes up and says "looks like you have already filed an extension" and gives you the accepted status. You can then printout your Extension form 4868.  Thank you!

To hopefully help others with this issue in the future, here is a summary of everything and what I did to (hopefully) resolve my problem: - In 2024 I rolled over my Vanguard Roth 401k into a long-established Schwab Roth IRA. - The contents of the ROTH 401k included both my post-tax contributions as well as my employer’s pre-tax contributions (as allowed per the 2022 SECURE Act 2.0). - Vanguard’s Disbursement Confirmation Letter for the rollover distinguished my post-tax employee contributions as non-taxable, and my employer’s pre-tax contributions as being taxable as ordinary income. - However, the 1099-R that I received from Vanguard showed the full amount as Gross Distributions but declared there was no amount taxable. The 1099-R only provided a Distribution Code of "H" (Direct rollover of a designated Roth account distribution to a Roth IRA) and showed the correct amount for my employee contributions but noted "$0" in the "Taxable Amount" box. - After requesting a revised 1099R, an internal review at Vanguard declined to either modify the 1099-R or to split it into two 1099Rs with different distribution codes. - A Schwab representative suggested using their Recharacterization Form to ask Schwab to recharacterize and move the pre-tax amount into my regular Schwab IRA. - Their response to my request was that due to the Tax Cuts & Jobs Act of 2017 they were not allowed to recharacterize anything in a rollover nor treat any part of it as a conversion - and that I had to shift the pre-tax funds into my margin account as an excess contribution by the April 15 deadline for the 2024 tax year. - In a later call to Schwab, a different representative said that I could use their “Certification for Late Rollover Contributions” form to justify a subsequent move of the funds from my Schwab Margin Account into my Schwab IRA (Where I believe it should have been deposited during the rollover process). - The form allowed a “self-certification” of the reason for missing the usual 60-day rollover deadline (“An error was committed by the financial institution making the distribution or receiving the contribution”). - It will ultimately be up to the IRS to allow or deny this self-certified correction to my rollover – most likely in response to the statements from Schwab that declare these movements of funds for my 2025 taxes (a statement of the funds leaving the ROTH IRA, plus a statement of the funds entering my regular IRA). - In hindsight, I might have less anxiety over the IRS accepting my certification to correct this issue if I had moved the employer-contributed funds out of my ROTH IRA and then into my regular IRA within the normal 60-day window after the rollover distribution.

Did you e-file your tax return and was it accepted? Only the IRS and your State control when and if a Federal or State tax refund is Approved and Issued.   You complete your tax return by finishing all 3 Steps in the File section. In Step 3, to e-file your tax return, you must click on the large button labeled "Transmit my returns now".   After completing the File section and e-filing your tax return you will receive two emails from TurboTax. The first email when your tax return was transmitted and the second email when the tax return has either been accepted or rejected.   Note - Once a tax return has been Accepted by the IRS or a State, TurboTax receives no further information concerning the tax return or the status of any tax refund.  Only the taxpayer listed on the tax return can obtain the status of a tax refund or a tax return.   To check the status of an e-filed return, open up your desktop product or log into your TurboTax Online Account. You can find your status within the TurboTax product.   What is the status of the e-filed tax return?

The only date that matters is the date that they were acquired.  The offering period doesn't matter because your spouse had no control over the stocks until she acquired them.  Make sure that the basis (the amount paid) is correct.     @JohnK10