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I've heard that sometimes the IRS examiner will accept the Form 8606 reporting only an addition to basis without the Form 1040-X, sometimes not.  I always suggest including a Form 1040-X because it provides a place for explanation and will show that the addition to basis causes no change to income, deductions, credits or taxes.

Everyone's tax situation is different and the complexity of your tax situation, meaning the forms needed to file your return, determines if you qualify for the TurboTax Free Edition.   The TurboTax Free Edition is strictly limited to simple Form 1040 returns. If your return requires additional schedules to report specific types of income or to claim certain credits, the system will prompt you to upgrade to TurboTax Deluxe or higher.   Here are the most common reasons you would be required to upgrade to a paid version: Unemployment Income: If you received a 1099-G for unemployment benefits, this is no longer covered under the Free Edition for the 2025 tax year. Itemized Deductions: If you are claiming deductions for mortgage interest, property taxes, or large charitable contributions on Schedule A instead of taking the standard deduction. Investment Income: Reporting stock sales, cryptocurrency transactions, or rental property income. Self-Employment/Gig Work: If you have 1099-NEC or 1099-K income and need to deduct business expenses on Schedule C. Education Credits: Claiming the American Opportunity Tax Credit or Lifetime Learning Credit (Form 8863). To see if you have forms that are not included in the free edition: Sign in to your TurboTax Online account. Select Tax Tools from the left menu and then click Tools. Click on View Tax Summary. Look for Schedules 1, 2, or 3. If any of these are present (other than for the Student Loan Interest deduction or the EITC/Child Tax Credit), an upgrade is required. If you want to start over to remove an accidental entry:  Select Tax Tools Clear and Start Over This will erase all data entered so far  

what questions are you getting after the 1099-R input... the "what did you do with the money" question flow changed for 2025... you should get a question page for unusual situations, then this question page:   Tell us if you moved the money through a rollover or conversion We need to check if you moved any of this money into another retirement account (or returned it to the same account). In some cases, this can lower your tax liability. I rolled over some or all of it to an IRA or other retirement account within the time limits (normally 60 days) converted some or all of it to a Roth IRA I did a combination of rolling over and converting some or all of this money I didn't roll over or convert this money

Everyone's tax situation is different and the complexity of your tax situation, meaning the forms needed to file your return, determines if you qualify for the TurboTax Free Edition.   The TurboTax Free Edition is strictly limited to simple Form 1040 returns. If your return requires additional schedules to report specific types of income or to claim certain credits, the system will prompt you to upgrade to TurboTax Deluxe or higher.   Here are the most common reasons you would be required to upgrade to a paid version: Unemployment Income: If you received a 1099-G for unemployment benefits, this is no longer covered under the Free Edition for the 2025 tax year. Itemized Deductions: If you are claiming deductions for mortgage interest, property taxes, or large charitable contributions on Schedule A instead of taking the standard deduction. Investment Income: Reporting stock sales, cryptocurrency transactions, or rental property income. Self-Employment/Gig Work: If you have 1099-NEC or 1099-K income and need to deduct business expenses on Schedule C. Education Credits: Claiming the American Opportunity Tax Credit or Lifetime Learning Credit (Form 8863). To see if you have forms that are not included in the free edition: Sign in to your TurboTax Online account. Select Tax Tools from the left menu and then click Tools. Click on View Tax Summary. Look for Schedules 1, 2, or 3. If any of these are present (other than for the Student Loan Interest deduction or the EITC/Child Tax Credit), an upgrade is required. If you want to start over to remove an accidental entry:  Select Tax Tools Clear and Start Over This will erase all data entered so far  

If you drove for both Lyft and Uber, you can enter all of your income and expenses on a single Schedule C since you are providing a similar service for each platform and you are likely using the same vehicle for your work.     Go to the Schedule C that you have already started for Uber and enter your Lyft income in the Income section for that Schedule C.  Then go to each expense category and add in the Lyft expenses.  You will need to just change numbers you have already entered for Uber to include both Uber and Lyft.  If you paid $50 in tolls when driving for Uber and $100 in tolls when driving for Lyft, the total under tolls would now be $150.   Use the following TurboTax help article as a guide if needed.  Remember you do not need to add a new line of work for Lyft if you have already entered Uber, so start at step 3 under the 'enter your income' section of the article.   How do I enter my Lyft tax information?  

Sounds like something got stuck. You can try these things:   Log Out Completely: Before doing anything else, click Sign Out in the TurboTax menu. Clear Cache and Cookies: This removes old, "corrupted" data that might be confusing the website. Use an Incognito (Private) Window: This is the most effective "quick fix" because it launches the browser without any saved history or extensions (like AdBlockers) that often interfere with tax forms. Check Pop-up Blockers: TurboTax often opens forms (like the 1099 PDF) or payment windows in a separate pop-up. Look at the right side of your address bar for a small icon with a "red X"—click it and select "Always allow pop-ups from Intuit." Restart the Browser: Close all open windows of your browser entirely and then reopen it.   Most TurboTax errors happen because the browser is trying to use an old "session" from a previous visit. By clearing the cache or using Incognito mode, you force the browser to establish a brand-new, secure connection with the Intuit servers.

Sounds like something got stuck. You can try these things:   Log Out Completely: Before doing anything else, click Sign Out in the TurboTax menu. Clear Cache and Cookies: This removes old, "corrupted" data that might be confusing the website. Use an Incognito (Private) Window: This is the most effective "quick fix" because it launches the browser without any saved history or extensions (like AdBlockers) that often interfere with tax forms. Check Pop-up Blockers: TurboTax often opens forms (like the 1099 PDF) or payment windows in a separate pop-up. Look at the right side of your address bar for a small icon with a "red X"—click it and select "Always allow pop-ups from Intuit." Restart the Browser: Close all open windows of your browser entirely and then reopen it.   Most TurboTax errors happen because the browser is trying to use an old "session" from a previous visit. By clearing the cache or using Incognito mode, you force the browser to establish a brand-new, secure connection with the Intuit servers.

When the IRS (or tax software) says your info is being used in more than one account, it usually means your Social Security Number has already been entered on a return that reached the IRS. Since you are married but separated, the most common reasons are:   Ex-Spouse/Spouse Filed Jointly: Your spouse may have filed a "Married Filing Jointly" return using your SSN without your consent or by mistake.  Ex-Spouse Claimed You as a Dependent: Less likely if you work, but it happens. Identity Theft: Someone unrelated to you is using your SSN. Your spouse may have filed claiming your children.     What to Do Right Now (April 15th) If the system won't let you e-file because of the "duplicate" error, you cannot fix this online today. The IRS computers will continue to reject any e-filed return with that SSN.   Print and Mail Your Return: This is your "bypass" button. Print your completed Head of Household return, sign it, and mail it to the IRS. If it is postmarked by today (April 15th), it is considered on time. The IRS Will Sort It Out: Eventually, the IRS will notice two returns with the same SSN. They will send letters to both parties asking for documentation to prove who is eligible to claim the filing status or the dependents.    Immediate Next Steps Get a Tracking Number: If you mail your return today, use Certified Mail with a Return Receipt. This is your legal proof that you filed on time. Identity Theft Affidavit: If you suspect your spouse or someone else used your SSN fraudulently, you may need to file IRS Form 14039 (Identity Theft Affidavit) later. Do you know if your spouse has already filed their taxes this year?

You must be age 59½ or over for the distribution from the designated Roth account to be a qualified distribution.  Being age 55 only eliminates the early-distribution penalty on taxable earnings from the designated Roth account.   What Vanguard likely told you is that you cannot just pull out the nontaxable portion of the funds in the designated Roth account, not that any portion had to come from the traditional account.  Because your distribution was not a qualified distribution, the distribution was a mix of contribution basis and taxable gains that had occurred in the designated Roth account.  No part of the distribution reported on the code-2B Form 1099-R came from the traditional account.  Had any amount been distributed from the traditional account, it would have been reported on a separate code-2 Form 1099-R.  (Vanguard might be a financial institution that lists multiple Forms 1099-R on a single page, so make sure that what Vanguard provided is not multiple Forms 1099-R.)   If the amount in box 2a of the Form 1099-R is not being included on Form 1040 line 5b, you will likely get a notice from the IRS indicating that you underreported income.   I'm puzzled why indicating $7,600 as being eligible for the age-55 exception would have any effect since nothing on a code-2 Form 1099-R is subject to that penalty in the first place.  The age-55 exception only makes sense in regard to distributions reported on Form 1099-R that includes code 1 in box 7.  Also, there is never an early-distribution penalty on the nontaxable portion of any distribution, so indicating that $7,600 was eligible for this exception makes even less sense.   Have you entered some other Form 1099-R that has code 1 in box 7 and your Form 5329 is inappropriately applying the age-55 exception to that distribution?  That's the only way I can imagine that claiming the age-55 exception could have any effect.