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"When I asked Schwab, they claimed it would be a 2026 gain"   It will be reported on a 2026 Form 1099-R, but the year of this income depends on when the contribution was made.  If the contribution was made in 2025, the 2026 Form 1099-R will have code P in box 7 indicating that the gain is to be reported on the 2025 tax return.  If the contribution for 2025 was made in 2026, I would expect the 2026 Form 1099-R to have code 8 indicating that the gain is to be reported on the 2026 tax return.   "Do I need to call them and ask for corrected 2025 1099?"   No.  The distribution occurred in 2026, not in 2025.   "Could I just ask them to reinvest the contribution and gain?"   You can do anything with the cash that you want.  Whatever you do with it does not change the reporting requirements for the return of contribution.  You are not permitted to undo a return of contribution.

Typically, Amazon reviews are voluntarily submitted by users of the product. However, there are programs out there such as Amazon Influencer, Amazon Associates, and Amazon Vine that may pay out commissions or incentives for reviews.   You statement "Amazon claims this as payment for services" was confusing - your dependent does not receive pay, but do they receive gifts or products for their reviews?  If they received products with $600 or more in value from Amazon, then Amazon (or the related program) would be required to issue a Form 1099-NEC.   You have a couple of ways to report this on a tax return:   Hobby income - If there is not an intention to make a profit, this could be considered hobby income.  The advantage of this is that no self employment taxes would need to be paid on the income.  The disadvantage of hobby income is that expenses cannot be deducted from that income.   Self-employment income - If there is a profit intention, this can be considered self-employment income, which, if the self employment income is greater than $400, it would be subject to the 15.3% self-employment tax.  However, you can deduct expenses of the business from the income to help reduce the amount of tax paid on the income.   This post has some good information about reporting Amazon Vine income on your taxes.   Let us know if you have any additional questions.  The more detailed information that you can provide will help us to better help you.

If you had the charger installed in an eligible census tract, but you are not seeing the credit as part of your return then it may be due to the tentative alternative minimum tax being calculated for your return.  This is a common but not obvious reason that taxpayers are not eligible to claim the Form 8911.     Even though you may not be subject to Alternative Minimum Tax, it is calculated at the same time as the regular income tax.  The tentative minimum tax is compared to your regular income tax on Form 8911.  If the tentative minimum tax is greater than the regular tax, then the Form 8911 credit is disallowed.     Lines 7 and 8 on Form 8911 are compared to one another.  If line 8 is greater than line 7, then the credit is disallowed due to the tentative minimum tax.     Even though Form 8911 will not be included as part of your tax return because the credit is disallowed, you should be able to specify Form 8911 to be printed or previewed from the Print Center using TurboTax Online to take a look at the details.     If you are using a CD/downloaded version of TurboTax, you can go to Forms in the upper right corner.  Then click on Form 8911-A in the panel on the left side of the screen.  Scroll to the bottom of the page and click QuickZoom to Form 8911 to see the lines described above.  

TurboTax gives you an estimated date for receiving your refund based on a 21 day average from your date of acceptance, but it can take longer.  “21 days”  is not a promise from TurboTax or the IRS.      First, check your e-file status to see if your return was accepted:  https://turbotax.intuit.com/tax-tools/efile-status-lookup/   Once your federal return has been accepted by the IRS, only the IRS has any control.  TurboTax does not receive any updates from the IRS. Your ONLY source of information about your refund now is the IRS.     You need your filing status, your Social Security number and the exact amount  (line 35a of your 2025 Form 1040) of your federal refund to track your Federal refund:    https://www.irs.gov/refunds   To track your state refund:     https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/track-state-refund/L3jgO8PGs_US_en_US?uid=lt447ebr   If you chose to have your TurboTax fees deducted from your federal refund, that will take some extra time, while the third party bank handles the refund processing     https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/refunds-take-longer-others/L14YlqFrH_US_en_US?uid=lexdr7zh . https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/irs-refund-taking-longer-21-days/L2vRAJbdU_US_en_US?uid=lexe7lst         If you are getting earned income credit on line 27 or additional child tax credit on line 28 You are subject to the delay required by the PATH act.  Do not expect your refund before early March   https://ttlc.intuit.com/turbotax-support/en-us/help-article/internal-revenue-service/federal-refunds-delayed-due-path-act/L5jnQJsBi_US_en_US   Note:  “Accepted” is not the same as “approved”.  TurboTax tells you the e-file was accepted if the IRS deems that there is enough information on the return for them to take it in for processing.   Only the IRS can approve of the refund, which is a later stage of processing.  If the IRS approves your refund they will provide a date for the refund to be issued.   FROM THE IRS WHERE’S MY REFUND SITE: https://www.irs.gov/wheres-my-refund How it works Where's My Refund shows your refund status: Return Received – We received your return and are processing it. Refund Approved – We approved your refund and are preparing to issue it by the date shown. Refund Sent – We sent the refund to your bank or to you in the mail. It may take 5 days for it to show in your bank account or several weeks for your check to arrive in the mail.  

If you claim actual vehicle expenses, these vehicle costs may be expensed in the current year.   If you claim the standard mileage rate, you claim the standard mileage rate and you may not expense the truck repair costs.   However, if you chose the standard mileage rate the first year that this vehicle was placed in service, you may elect to choose actual vehicle expenses for 2025.   See this TurboTax Help.   Note: In order to use the standard mileage method, you must choose this method in the first year the vehicle is placed in service. In later years you can choose to use the standard mileage rate or actual expenses.

Keep in mind you only need an IP PIN if the IRS sent you a CP01A notice. If you tried to file with TurboTax  and your return was rejected, follow these steps to get IP PIN:   If you are required to get an IP PIN and are under the age of 18, you must file Form 15227 and mail or fax to the IRS. You can also schedule a visit at a Taxpayer Assistance Center to request an IP PIN. You can find the TAC office closest to you by calling (844-545-5640) to schedule an appointment.    

WHY DO I HAVE TO PAY?  I WANT THE FREE EDITION   The information that you can enter in Free Edition is pretty limited now.  Thanks to the tax laws that began for 2018 returns, there are no more simple Form 1040EZ or 1040A's.  Everything goes on a Form 1040 that has three extra "schedules" with it, and if you need any of those schedules, you are not able to use the Free Edition.  Using the standard deduction instead of itemizing does NOT mean you will not need any of those schedules.   If you started in the Free Edition and entered any data that required any extra forms or schedules, you have to upgrade to a paid version and if you are watching the screens carefully you are alerted to the upgrade.       TurboTax Online: Important Details about Filing Simple Form 1040 Returns If you have a simple Form 1040 return only (no forms or schedules except as needed to claim the Earned Income Tax Credit, Child Tax Credit or student loan interest), you can file for free yourself with TurboTax Free Edition, or you can file with TurboTax Live Assisted Basic at the listed price. Roughly 37% of taxpayers are eligible. Examples of situations included in a simple Form 1040 return (assuming no added tax complexity): W-2 income Interest, dividends or original issue discounts (1099-INT/1099-DIV/1099-OID) that don’t require filing a Schedule B IRS standard deduction Earned Income Tax Credit (EITC) Child Tax Credit (CTC) Student loan interest deduction Taxable qualified retirement plan distributions   Examples of situations not included in a simple Form 1040 return: Itemized deductions claimed on Schedule A, like charitable contributions, medical expenses, mortgage interest and state and local tax deductions Unemployment income reported on a 1099-G Business or 1099-NEC income (often reported by those who are self-employed, gig workers or freelancers) Stock sales (including crypto investments) Income from rental property or property sales Credits, deductions and income reported on other forms or schedules        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 your TurboTax fees are higher than expected, you can reduce them by removing add-ons     (BEFORE you e-file) :   Remove Premium Services Remove MAX Defend & Restore Remove a state Remove PLUS Help & Support Remove Pay With Your Refund     Or—-Use this IRS site for other ways to file for free.  There are 8  free software versions available from the IRS Free File site   https://apps.irs.gov/app/freeFile/  

We'd love to help you complete your tax return, but need more information. Can you please clarify your question?   Form 1095-A is when you purchased health insurance through the government marketplace.  This form will need to be entered on your tax return in order to e-file.   Here are some helpful links regarding 1095-A:   What health insurance info do I need to put on my tax return? Where do I enter my 1095-A? Where do I get my 1095-A form? How do I upload my 1095-A form? Do I need to enter my 1095-B and 1095-C?

I understand I need to file amendment outside of TT and direct to IRS.   We had Schwab return the nondeductible traditional IRA contribution and gain early February 2026 How do I report the gain? When I asked Schwab, they claimed it would be a 2026 gain Do I need to call them and ask for corrected 2025 1099? Could I just ask them to reinvest the contribution and gain?    this sounds much easier and no need for an amendment She's getting RMDs so it would tick down to zero in a couple of years The gain was 16% Thanks again for your help!!

You will file a California part-year resident tax return (Form 540NR) for the six months you lived in CA during 2025.    Form 540NR should be generated automatically when you indicate in the My Info section that you lived in another state in 2025 and the day you became a resident of your current state.   In the State Taxes area in TurboTax, one of the questions in the CA tax return organizer will verify your residency status, so you want to make sure it says part-year resident and shows the correct dates that you lived in CA in 2025.   Here is a TurboTax article with steps on how to file a part-year state tax return.        

It is not letting you claim your child or the child tax credit?  What exactly is happening?   The amount you earn does not affect whether or not you can claim your child as a dependent, as long as no one else is actually supporting them and they are not providing over half of their own support.  If you are not able to claim your child at all, go back through and double check your answers to be sure they are accurate.  The following criteria must be met to claim someone as a qualifying child: Your child (including adopted and foster children), your sibling, or a descendent of any of them. Age 18 or younger at the end of the tax year OR under 24 (and younger than you and your spouse) if they are a full-time student or any age if they are totally and permanently disabled Lived with you for more than 6 months during the tax year They did not provide more than half of their own support (social security does not count) They did not file a joint return, unless it was to claim a refund   However, if you are talking about the child tax credit, in order to claim it, you must have at least $2,500 in earned income.  If it was less than that, then you are not eligible for the refundable portion or the Additional Child Tax Credit.    To claim the child tax credit both you and your child would need a valid Social Security number.    The Child Tax credit is a nonrefundable credit worth up to $2,200 per qualifying child. In order to qualify for this credit, you must first have a qualifying child, have a tax liability to be reduced by the credit and have income of less than $200,000 if single and $400,000 if married filing jointly. If your income is greater than these limits, the credit is phased out gradually.    If you do not have a high enough tax liability to claim the credit, then you may be eligible for the Additional Child Tax Credit which can be worth up to $1,700.  This credit, is the refundable portion of the child tax credit.     It is calculated by taking subtracting $2,500 from your income and then multiplying that number by 15%.  If you do not have more than $2,500 of eligible income, you would not qualify for the Additional Child Tax Credit.  So if your total income was $3,350 then you would have an additional child tax credit of $127.50   A few things you can check if you think you should have received the child tax credit and you didn't. Double check your entries starting with the personal info section making sure you have entered all information including social security numbers for your kids. Did your child live with you for 6 months or more during the year?      If not, you do not qualify.      If your child was born during the tax year, you will need to select that they lived with you for the entire year. Did you enter your income?  Did you double check your entries? You need to have income to get the credit, so if you do not have in excess of $2,500 or you have income above the phaseout, you may not qualify for the credit.  You can see the child tax credit amount received on line 19 of your 1040 or the additional child tax credit on line 28.  To see your 1040 click Tools>>Tax Tools>>Preview My 1040.    If you are using the desktop version, you can switch to forms mode to see your 1040. 

Understanding that you wish to preserve the historical value for SDA, please follow these instructions to resolve the error: Open your return and click the Forms icon in the TurboTax header.  In the list of Forms in My Return on the left, scroll down and look for an Asset Entry Wks with a red exclamation mark.  Click the form name to open it in the large window.  On the line Economic Stimulus - Qualified Property, notice the checkmark in the "Yes" box.  In order to claim SDA, Line 1 must also be checked "Yes" instead of "N/A."  If you can't change Line 1 initially, uncheck the Qualified Property "Yes" box above Line 1, then recheck that same box.  You should then be able to answer "Yes" on Line 1. Confirm that no red exclamation marks remain for your forms. Click Step-by-Step in the header to return to the main screens.   Note that this experience has been forwarded to our investigation team.   @user17701316428    [edited 3/1/2026 | 8:59 AM PT]

Yes, if you are referring to a Social Security Number (SSN), or Taxpayer Identification Number (TIN)  you each have to have your own.   If you're thinking of some other ID, please clarify which one.