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You probably answered something incorrectly in MY INFO.   Go back to MY INFO, click the child’s name  and go through all of the interview questions carefully and slowly.  Read every screen top to bottom.     Make sure you have entered your child as a dependent in My Info, and that you have entered the child's Social Security number.    Careful— do not say that your child’s SSN is not valid for employment.  If your child was born in 2025 make sure you said he lived with you the whole year.  There is an oddly worded question that asks if the child paid over half their own support.  Say NO to that question.   If your dependent was a full-time college student, make sure you were careful on the MY INFO screen for “Uncommon situations” and that you indicated there that they were a student.

 When you enter the business section, the screen will say Your (name of company) Business. Scroll down to the bottom and you will see a section called Final Details, from which you can choose Special Situations. One of the options on the next screen is I have at risk losses carrying over from 2024. There is another option that says I have money invested in the business that I am not at risk of losing, you need to correct any entries made there associated with money you have at risk. When finished, you may need to go back and try deleting the Form  6198 again.    

Since he is under the age of 19 you can claim him as a dependent under the Qualifying Child rules.  His income is not relevant for claiming him as a dependent.  But he must not provide over one-half of his own support. He is not required to file a tax return as his income is below the minimum required.  However, if he had federal taxes withheld from his wages he should file to get a refund.  If he does file a return make sure that he indicates on the return that he cam be claimed as a dependent.   To be a Qualifying Child - 1. The child must be your son, daughter, stepchild, foster child, brother, sister, half brother, half sister, stepbrother, stepsister, or a descendant of any of them. 2. The child must be (a) under age 19 at the end of the year, (b) under age 24 at the end of the year and a full-time student or (c) any age and permanently and totally disabled. 3. The child must have lived with you for more than half of the year. Temporary absences while away at college are considered living with you. 4. The child must not have provided more than half of his or her own support for the year. 5. If the child meets the rules to be a qualifying child of more than one person, you must be the person entitled to claim the child as a qualifying child. 6. The child must be a U.S. citizen or U.S., Canada or Mexico resident for some portion of the year. 7. The child must be younger than you unless disabled.

You cannot change or add anything on the return that you just e-filed, nor can you stop it.  It is too late, just like when you put an envelope in a US mailbox on the corner.  The IRS does not allow you to take it back.   If you left out a W-2, a 1099G, or a dependent, or a 1099 etc…DO NOT change your return while it is “pending.”  The changes will go nowhere.   Now you have to wait until the IRS either rejects or accepts your return.  If your return is rejected, you will be able to go into your account and make the necessary changes to your tax return and re-submit your return.     If the IRS accepts your return, however, then you have to wait longer until it has been fully processed and you have received your refund.  THEN you can prepare an amended tax return and e-file or mail  it in. You have to be able to work from that return exactly the way it was when it was e-filed originally.  You will need to use a form called a 1040X.     Meanwhile, DO NOT go in and start changing anything on your return in the system, or you will make a mess for yourself.  Sit tight and wait until you see what the IRS does with the return you just e-filed   The Form 1040X you need becomes available in late February,  But wait until your return has been processed.  

There apparently have been frequent updates to the Online product (which, because it's Online, can happen at any time without notice). I say this your description of the issue does not make sense on its face (ChatGPT notwithstanding).   My guess is that TurboTax was thinking that you did not have HDHP coverage in 2025 (which is correct), and that you did not have HDHP coverage in every month of 2024 (which you said is not correct). This would have triggered the last month rule and the penalty.   If you are using the Online product, let me suggest an HSA Reset, which is a process to remove all of your HSA data (because I think that TurboTax got confused) so you can start over.   And since I believe that the Online product has been updated to remove the possible issue of TurboTax conflating your data, your issue should disappear.   Just remove all HSA data as shown below.    HSA RESET ***Reset***   1. make a copy of your W-2(s) (if you don't have the paper copies) 2. delete your W-2(s) (use the garbage can icon next to the W-2(s) on the Income screen)   *** Desktop/Windows***   3. go to View (at the top), choose Forms, and  4. select the desired form (1099-SA (if one), 8889-T, and 8889-S (if one)). Note the Delete Form button at the bottom of the screen.   *** Online ***   3. go to Tax Tools (on the left), and navigate to Tools->Delete a form  4. delete form(s) 1099-SA (if one), 8889-T, and 8889-S (if one)   5. go back and re-add your W-2(s), preferably adding them manually 6. go back and redo the entire HSA interview....

Either you did not amend the 2024 tax return correctly or the 2024 file that you are looking at is not the one for the amended return.   To amend the 2024 tax return, you needed to go back through the HSA contribution section and tell TurboTax that you removed (or will remove) the excess by the deadline.  Without doing that, TurboTax would still think that you have an excess to carry over to 2025.   It seem that you are using the desktop version of TurboTax, so you can always alter the excess on line 11 of the Carryover Worksheet in forms mode.

Update:  I missed it was the first year and not due until April 1 of the next year. Sorry IRA and 401K are separate.   You can only combine IRA accounts.   You can’t take out from the IRA to cover the 401K RMD.   So you didn’t take the 401K RMD.  You need to file 5329 and pay the penalty.   And take the 401K RMD as soon as possible or you will owe the penalty each year you didn’t take the 2025 RMD.   So this year you have to withdrawal enough 401K to cover both the 2025 & 2026 RMD .    @dmertz  

Yes, you can claim an 18 year old as a dependent.   MY DEPENDENT HAD A JOB If your dependent has a W-2 for his after-school job, summer job, etc. you do not include the information on your own return. You can still claim your child as a dependent on your own return.  He/she can file his own return for a refund of some of his withheld wages from boxes 2 or 17 (he won’t get back anything for Social Security or Medicare), but MUST indicate on it that he can be claimed as a dependent on someone else’s return.  (Supervise this closely or prepare it for him!) If your dependent’s earnings were over $400 and were reported on a 1099Misc or 1099NEC then he must file a return and pay self-employment tax for Social Security and Medicare.     You might also want to use free software from the IRS Free File versions: https://apps.irs.gov/app/freeFile/       WHO CAN I CLAIM AS A DEPENDENT?   You can claim a child, relative, friend, or fiancé (etc.) as a dependent on your 2025 taxes as long as they meet the following requirements: Qualifying child They're related to you. They aren't claimed as a dependent by someone else. They're a U.S. citizen, resident alien, national, or a Canadian or Mexican resident. They aren’t filing a joint return with their spouse. They're under the age of 19 (or 24 for full-time students). No age limit for permanently and totally disabled children. They lived with you for more than half the year (exceptions apply). They didn't provide more than half of their own support for the year.  

Only two codes are allowed to be used in box 7 of the Form 1099-R.   IRS Form 1099-R instructions - https://www.irs.gov/pub/irs-pdf/i1099r.pdf On page 15 of the instructions - Enter a maximum of two alphanumeric codes in box 7   Contact the Payer of the 1099-R and request a corrected form.

Did you already e-file?  If you did NOT e-file you can go to the FILE section  step 2 to enter/change how you want to receive your refund.  If you want direct deposit you need the routing number and your own account number.    If you e-filed: Banking information for direct deposit is wrong or closed If you entered incorrect banking information for your refund, you can change it if your return is rejected.  If it is accepted, however, it is too late to change it.  The bank will reject the refund and send it back to the IRS.     https://www.taxpayeradvocate.irs.gov/news/tax-tips/direct-deposit-changes-for-2026-could-affect-how-and-when-you-get-your-refund/2026/01/   If you take NO action—-the IRS will freeze your refund for at least six weeks and then mail you a check.   If your refund is sent back to the IRS—- make certain that the address you entered on your Form 1040 is correct.  And…open all mail, even if it looks like junk mail.

First, check with the issuer of the W2 to confirm if your housing allowance was included in your W2 income. If this is the case, you would need a corrected W2 to remove this amount.   Normally, an amount reported in Box 14 is used for informational purposes but is not taxable for federal income tax purposes. It is, however, taxable for social security and medicare purposes. Check your W2, to see if there is a difference between Boxes 1,3,and 5.   If you see a higher amount in Boxes 3,5, but a lower amount in Box 1, then the housing allowance was properly reported. If it remained the same, then either two things are possible.   The housing allowance was never factored into your W2 either in Box 1,3,and 5. Or was and needs a corrected W2 removing the housing allowance entirely. Usually, what happens is that the amount in Box 14 is informational to report on your tax return to make sure all social security and medicare taxes are taken out. This is how you will report.   Enter your W-2 exactly as it appears (including the full amount in Box 1 and the Box 14 note). Continue through the W-2 screens until you reach the "Let's check for uncommon situations" screen. Check the box for "Religious employment" and select Clergy. Enter your $10,000 allowance when asked. This ensures you pay the required Self-Employment tax on it.          

Do you mean the child tax credit?   Have you entered income from working in 2025?  If not,  you will not receive an income tax refund based on having dependent children.     The maximum amount of the child tax credit is now $2200 per child; the refundable “additional child tax credit” amount is $1700.   In order to get that credit, you have to have income from working.   Take the amount you earned from working.   Subtract $2500.   Multiply the rest by 15%.  That is the additional child tax credit per child that you canget—- up to the maximum of $1700 per child.   If the amount you earned from working was low, you will not get the full $1700 per child.    If your child is older than 16 at the end of 2025, you do not get the CTC.  But you may still get the non-refundable $500 credit for other dependents instead.   https://ttlc.intuit.com/turbotax-support/en-us/help-article/taxation/child-tax-credit/L2lNhfGDl_US_en_US?uid=m68dfq2u   https://ttlc.intuit.com/turbotax-support/en-us/help-article/taxation/additional-child-tax-credit/L6xFeMFEf_US_en_US?uid=lqnuygah https://www.irs.gov/help/ita/does-my-childdependent-qualify-for-the-child-tax-credit-or-the-credit-for-other-dependents     And for the Earned Income Credit—-   https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-credits-deductions/qualifications-earned-income-credit-eic-eitc/L7w4BFP32_US_en_US?uid=m62rmz09   https://www.irs.gov/credits-deductions/individuals/earned-income-tax-credit/use-the-eitc-assistant   https://www.irs.gov/pub/irs-pdf/p596.pdf   Look at your 2025 Form 1040 to see the child-related credits you received   PREVIEW 1040 https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-return/preview-turbotax-online-return-filing/L77WCkvnu_US_en_US?uid=m681fkhr   Child Tax Credit line 19 Credit for Other Dependents line 19 Earned Income Credit line 27 Additional Child Tax Credit line 28