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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.

Check your online account with the IRS to see what it says about the stimulus check.   Those checks were sent out for 2021, or you could seek the stimulus amount by using the recovery rebate credit on a 2021 return.   If you did not receive it, and did not use the recovery rebate credit on a 2021 return, it is --sadly -- too late now. https://www.irs.gov/payments/your-online-account  

Withdrawal from a traditional IRA is always subject to regular income tax, which could be 0%, 10%, 12%, 22%, or higher, depending on your other income, filing status, and other deductions and credits.  There is an additional 10% penalty if you are under age 59-1/2, but you always owe the regular income tax.   Someone would need to see your whole return to see if 10% is the correct regular income tax in your situation.  

PS agree with the other advice re withholding, if you have any income source with withholding, to the extent you can increase that for the rest of the year, by default it is always considered "timely" even if it is comes later in the year.  Not much time left for it to have an effect unfortunately, but any additional withholding will reduce the total ES you owe and in turn the penalty for overdue ES.

The advice here to pay 1/2 the tax owed in 2 equal installments may not be correct if your income is even thru the year, and could result in continued underpayment for Q3 and more penalty.   Determine your 'safe harbor' amount - the smaller of 100% of your 2024 tax (110% if AGI > 150k or 75k if married filing separately), or 90% of your 2025 tax.  This is due thru the year either thru withholding or "timely" (usually quarterly) estimated tax (ES) payments.  Any remaining tax is due by 4/15/26.  Paying ES based on prior year tax is simpler since that amount is known, but can result in overpayment of ES if 90% of current year tax is smaller, but using current year tax you need a process to estimate your 2025 tax and err on overpaying to avoid penalty.   Once you figure the total ES due for the year (safe harbor, minus any withholding), by default it is due quarterly and 50% of that tax is overdue from Q1-2 and should be paid ASAP to stop the daily penalty accruing (the Q3 deadline is irrelevant); then pay 25% normally by the 9/15/25 deadline and 25% by 1/15/26 deadline.   (If you split it into two remaining installments, the first half will cover the Q1/2 underpayment only and you will still be underpaid 25% for Q3 which will not resolve until January; by Q3 deadline you need to have paid 75% of what is due for the year).    Pay online if able at irs.gov skip vouchers and checks.   If your income is uneven and backloaded towards the end of the year, it's possible you may be able to reduce the penalty by filing Form 2210 Annualized Income method but this requires extra calculations on your part to determine your AGI/withholding/qualdiv/LTCG etc by quarter (thru 3/31, 5/31, 8/31 in addition to 12/31 full year return).  This method could also be disadvantageous if your income is variable thru the year or front loaded in earlier quarters, and you end up underpaid in a particular quarter, whereas the default method assumes your income is earned evenly.  You should probably just assume quarterly ES for now and when you go through your filing process in TT a default penalty will be calculated, you can then work thru the 2210AI option in turbotax when you file under Other Tax Situations / Underpayment Penalty section to see if it helps reduce the penalty otherwise you don't have to adopt it.   Not a CPA, hope this helps, pls research accordingly - refer to Form 1040-ES and Form 2210 instructions for more info; the safe harbor calculation is shown in lines 1-9 of Form 2210.

10% ordinary income tax would not be unreasonable.  10% is the lowest federal income-tax bracket for taxable income.   TurboTax does not generate any 10% early-distribution penalty on distributions reported with code 7, so it doesn't seem that you would be seeing any additional tax reported on Schedule 2 line 8.

@TAMR917995    Sorry...the "Online" software is only for 2024 taxes right now. ________________________ To work on 2021, 2022, 2023 taxes, you need to buy and download/install each year' software separately using the "Desktop" software...which requires a full Windows or MAC computer.  And those years would need to be printed out by you and mailed in.  You can buy them here: TurboTax® 2023 Prior Year Tax Prep - File Past Years' Taxes ___________________ Don't attempt to buy TurboTax for 2020 or any earlier years anywhere else....you won't be able to install or update to that year's proper forms. _____________________________ For years prior to 2021, you'd have to get the paper/PDF forms directly from the IRS's, and State's forms, if needed, using their own websites to download the forms and manually prepare, then file by mail.

If your handyman business is a side gig, you might be able to increase your W2 withholding, at your regular job, to cover the additional taxes, for the year.  This is usually the "better way" as withholding is treated better than late estimated payments for the calculation of any underpayment penalty.     

The simplified explanation is this: Your daughter cannot be your dependent unless she was a full time student OR had less than $5050 of income for 2024.   There are two types of dependents, "Qualifying Children"(QC) and Other ("Qualifying Relative" in IRS parlance even though they don't have to actually be related). There is no income limit for a QC but there is an age limit, student status, a relationship test and residence test. The support test is different for each type. The support test, for a QC, is only that the child didn't provide more than half his own support. The support test for a Qualifying Relative is that the taxpayer provided more than half the relative's support.   A child of a taxpayer can still be a “Qualifying Child” (QC) dependent, regardless of his/her income, if: He is under age 19, or under 24 if a full time student for (parts of) at least 5 months of the year, or is totally & permanently disabled He did not provide more than 1/2 his own support. Scholarships are excluded from the support calculation He lived with the parent (including temporary absences such as away at school) for more than half the year A person can still be a Qualifying relative dependent, if not a Qualifying Child, if he meets the 6 tests for claiming a dependent: Closely Related OR live with the taxpayer ALL year His/her gross taxable income for the year must be less than $5200 (2025) ($5050 for 2024). The taxpayer must have provided more than 1/2 his support In either case: He must be a US citizen or resident of the US, Canada or Mexico He must not file a joint return with his spouse or be claiming a dependent of his own He must not be the qualifying child of another taxpayer See full dependent rules at: https://turbotax.intuit.com/tax-tools/tax-tips/Family/Rules-for-Claiming-a-Dependent-on-Your-Tax-Return/INF12139.html