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You can enter the phone number of a U.S. relative or friend. You can also use a "dummy number" like 800-555-1212. The IRS recognizes this as a placeholder and will send mail if they have any questions.

No one in the user forum can resolve a billing issue.  If you have a question about your TurboTax fees or billing, make sure you use the word “billing” in your request for help.  Do not use the word “refund.”   https://ttlc.intuit.com/turbotax-support/en-us/help-article/account-management/contact-turbotax/L2y9ZKpQB_US_en_US?uid=m5s9l2vh  

CAN I USE TURBOTAX TO AMEND IF THE RETURN WAS PREPARED SOMEWHERE ELSE?   If you did not use TurboTax to prepare your tax return, it is possible to amend the return using TurboTax but it will really be a pain.  It would be better to use the software or service used to file originally.  If a paid preparer made a mistake on your tax return, that tax preparer should do the amended return for you at no charge. In order to use TurboTax to amend your return, you need to purchase the desktop software for the tax year and re-create the return EXACTLY as it appeared when it was filed with the IRS/states.  Every line has to be the same.  Then you have to "trick" the software into thinking you filed by saying you will mail the return. (but do not mail it)   AFTER that, you use the software to prepare a Form 1040X, which has to be printed, signed and mailed to the IRS.  It takes the IRS about 4-6  months to process an amended return   https://turbotax.intuit.com/personal-taxes/past-years-products/ You may also want to explore purchasing the software from various retailers such as Amazon, Costco, Best Buy, Walmart, Sam’s, etc.

If you did not save those old returns as pdf's then, no, you will not be able to open them.   There is a service --Taxprinter.com -- that is not affiliated with TurboTax which you might want to explore.  We do not know much about it or how much their fees are.

@xiaochong2dai  The contributions were withdrawn pre-tax, and will be reported on your wife's W-2s.  Your tax software (Turbotax or whatever else you use) will see that, and will ask if she had qualifying insurance.  When you answer "no" (because even though she had a qualifying plan, she is disqualified by your HSA), those contributions will be added back to her taxable income.  That will increase the tax you owe or decrease your refund when you file your return.  Therefore, the excess is not also taxed when it is withdrawn.  The only part of the withdrawal that is taxed is the interest she earned (if the account paid interest). 

To complete and file a 2023 tax return using TurboTax you would need to purchase, download and install on a personal computer one of the 2023 desktop editions from this website - https://turbotax.intuit.com/personal-taxes/past-years-products/   A 2023 tax return can only be printed and mailed, it cannot be e-filed using TurboTax.   You will have to amend the 2024 tax return that you filed so that it only has tax information entered for tax year 2024. See this TurboTax support FAQ for amending a current year tax return - https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-return/amend-federal-tax-return-current-year/L7eS6o1qh_US_en_US?uid=lfunevhk  

This answer assumes your 2022 return was prepared in Online TurboTax.   Any return prepared in desktop TurboTax will not be in an Online account.  Here's how one would normally find past-year online returns and how to troubleshoot for multiple accounts (User IDs) if necessary.  Many people end up with more than 1 account.  The pathway to download the PDF or tax data file depends on whether or not you have started an online 2024 return.  I provide both scenarios below, so choose which one is appropriate for your situation.   If you have not yet started a 2024 online return: Sign in to your account.   What you see next depends on whether or not you have already started a 2024 return in that account.   If your left column menu is minimal, and does not have a Tax Home tab displayed, that would imply you have not started preparing a 2024 return in that account.  If you haven't yet started a return, it will start asking you some questions.  Answer those preliminary questions (you don't actually have to prepare a return), and then when you are far enough into the process the left menu column will change, and you'll then see a Tax Home option.  Do not click the Documents tab.  Instead, click on Tax Home.  Then on the Tax Home screen, scroll way down to the bottom to "Your Tax Returns & Documents".  Expand that section and choose the past year you want.   If your past returns are not shown there, then you likely have multiple accounts and signed into the wrong one.  I'll tell you below how to troubleshoot.   If you have already started or finished a 2024 online return: Log in, and if you've already started a 2024 return in that account, then it may already open at the Tax Home.  If not, click the Tax Home tab in the left column menu.  Do not use the Documents tab.  At the Tax Home scroll down and expand "Your Tax Returns & Documents."   If the past returns are not there, see the steps below.   If you do all that and can't find the past return, here's how to look for multiple accounts: You can have up to 5 accounts that use the same email address for notification purposes.  A User ID may be an email address, but it doesn't have to be.  It might be only part of an email address, or it can be anything at all.   To get a list of your User IDs, reset password, and recover account access, etc., you can use the tool at the link below.  When using the Account Recovery tool, try using your phone number first if you can still access it.   After that, if necessary, then run the tool on your email address(es) you can access. NOTE: Before running the account recovery tool below, log out of all Intuit accounts including this user forum, or you might end up in a loop.  Then clear your browser Internet cache, close your browser, then reopen it, and go to the link below.  You may wish to copy this link so you can paste it into the new browser session. https://myturbotax.intuit.com/account-recovery If still no luck after running that on your phone number you can still access and email address(es) that you can access,  here's another method:          Go back to the tool again, but this time leave the data field blank, scroll down a bit, then choose the small blue link that says "Try something else", and it will look you up by other parameters.

the article seems to reach a different conclusion regarding Ponzi losses as long as the objective was to earn a profit. It seems to conclude that such a loss does not have to be in a federally declared disaster area. https://www.journalofaccountancy.com/issues/2025/jul/deductibility-of-theft-losses-for-victims-of-certain-scams/      furthermore pub 547 Note that the personal-use property limitation for tax years 2018 through 2025 does not apply to losses on in come-producing property, such as losses from Ponzi-type investment schemes  

Thank you @Opus 17 ! When you say: "The principal (contribution) part of the withdrawal is not taxable as such.  Instead, the contributions (from box 12 of her W-2s) will be added back to her taxable income as if it was part of her wages all along and not an HSA contribution.  Because the contributions are taxed, the withdrawal of the contributions is not taxed again. "   I'm trying to understand what you said "Because the contributions are taxed": The contributions my wife made to the HSA is pre-tax, and hasn't been taxed yet. So when she withdraws the excess contributions (assuming in August 2025), and if the HSA bank just returns the excess contribution plus attributed earnings, not withholding taxes as you said, then the contribution withdrawal will not be taxed, and is never taxed until we file the 2025 taxes in early 2026. The withdrawal amount of the contribution is like the self-employed and independent contractors income (for example, like Youtubers get the pay from google, taxes are not deducted, and need to report and calculate on their own), and will be added to our total 2025 income when we file the 2025 taxes in early 2026, then decide how much taxes we owe then. Is my understanding correct?   Thank you again @Opus 17 !