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I found this below on AI which agrees with you that the Online version requires upgrade. I checked some other sources and it seems the online basic version can't do stock sales   I wish TT was more transparent about what version is required before you start your return. They prefer for you to send hours preparing and later find out you need to upgrade. You shouldn't have to spend hours googling third party sources to determine what version of TT is required, it should be clearly stated on TT website.   https://www.bitget.com/wiki/does-turbotax-deluxe-do-stocks   AI: TurboTax Deluxe can handle basic stock sales (Form 1099-B), but its capabilities depend on whether you use the desktop or online version. The Desktop (CD/Download) version supports stock sales, while the Online version often requires an upgrade to Premier for investment reporting. It is best for simple, low-volume trades, whereas Premier is recommended for complex, high-volume transactions.  Key Considerations for TurboTax Deluxe and Stock Sales: Desktop vs. Online: The Deluxe Desktop/Download version has the necessary forms (8949, Schedule D) to report stocks. The Online Deluxe version frequently requires an upgrade to Premier to handle 1099-B data, especially for importing. Best For: Simple, straightforward 1099-B transactions, such as selling a few stocks with clearly reported cost basis.   Limitations: If you have high-volume, complex transactions, such as wash sales, employee stock plans (ESPP), or cryptocurrency, you will likely need to upgrade to Premier for better guidance and automation. Manual Entry: The Deluxe Desktop version allows manual entry of 1099-B data.  For simple stock investments, TurboTax Deluxe (desktop) is sufficient, but if you have a significant number of transactions or complex, nuanced situations, Premier or higher is recommended. 

To TurboTax Rep:   I contacted the OTC this morning about this issue. This is their response:   "provided the following update to ticket XXXXXX: IF you are itemizing on federal then it applies to Oklahoma as well. The $10000 salt limit is also still in effect in Oklahoma. So file with the correct number by prorating. Thanks"   Based on this email, I have filed (but they have not (yet) accepted our 2025 OK State return) today using the $10K proration. I assume TT will advise if they find out something different.

The “senior deduction” is added automatically by the software based on the date of birth and filing status you entered into MY INFO.  You do not need to take any extra steps to enter it. (And…the new senior deduction has nothing to do with whether you are getting Social Security)   The deduction is not on the same line as your standard deduction.  It is shown separately.on line 13b.     2025 STANDARD DEDUCTION AMOUNTS SINGLE $15,750  (65 or older/legally blind + $2000) MARRIED FILING SEPARATELY $15,750  (65 or older/legally blind +1600) MARRIED FILING JOINTLY $31,500  (65 or older/legally blind + $1600) HEAD OF HOUSEHOLD $23,625 (65 or older/legally blind + $2000)     For 2025 through 2028 there is an extra  deduction amount of up to $6000 per individual 65 or older filing Single, MFJ, or HOH which is phased out for taxpayers with modified adjusted gross income over $75,000 for single filers and $150,000 for joint filers.   (The deduction phases out completely at $175.000 Single or HOH, or $250,000 joint)   The $6,000 senior deduction will be calculated on 1040 Schedule 1-A page 2 Part V Enhanced Deduction for Seniors which goes to 1040 line 13b. It is separate and in addition to the Standard Deduction or your Itemized Deductions on 1040 line 12e.  Turbo Tax automatically includes it. IRS Schedule 1-A https://www.irs.gov/pub/irs-dft/f1040s1a--dft.pdf   Need to see it? https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-return/preview-turbotax-online-return-filing/L77WCkvnu_US_en_US?uid=m681fkhr   If you are not getting the senior deduction it is because Your date of birth in MY INFO shows that you were not 65 by the end of 2025 Your income is too high You are filing married filing separately  

Did you apply your 2024 tax refund to the 2025 taxes?  If so -   To enter, change or delete a refund from the prior year applied to this years taxes (Federal, State, Local) - Click on Federal Taxes (Personal using Home and Business) Click on Deductions and Credits Click on I'll choose what I work on (if shown) Scroll down to Estimates and Other Taxes Paid On Income Taxes Paid, click on the start or update button On the next screen select the options under 2024 Refund Applied to 2025   The prior year federal tax refund amount applied is shown on Form 1040 Line 26

No, you don't need to file a Florida return for gain on sales of personal property that was never used for business purposes.  Had this been a business property at any time, including having it as a rental property, then a Florida return would have to be filed for it.

There are many different actions and choices by individuals that require extreme detail for stock and digital currency. Selecting the options and making the adjustments is the action today for your return.    @smalexm 

The bank may not be an import partner with TurboTax.  Enter the Form 1099-R manually.   To enter, edit or delete a form 1099-R - Click on Federal Taxes (Personal using Home and Business) Click on Wages and Income (Personal Income using Home and Business) Click on I'll choose what I work on (if shown) Scroll down to Retirement Plans and Social Security On IRA, 401(k), Pension Plan Withdrawals (1099-R), click the start or update button Online editions -   On the screen Did you get a 1099-R in 2025? Click on Yes On the screen Let's import your tax info Click on Change how I enter my form On the screen How would you like to upload your 1099-R? Click on Type it in myself On the screen Who gave you a 1099-R? select the type of 1099-R you received and Continue

Does she rent it at Fair Market Value or does she rent it as a contribution to shared family expenses?  If this is just her contributing to the cost of living in the house, you do not need to declare this income as rental income.  It would just be shared expenses.   If however, you are charging her fair market value for the rent, then you would need to enter it on Schedule E and you could enter the expenses associated with the rental.    To enter the Rental income and expenses select the following: Federal Wages and Income Rental Properties and Royalties Walk through the steps answering the questions as they apply to you When you get to the question regarding what type of property you can choose single home (if that is the type of home you live in) Then on do any of these situations apply select I rent out part of my home You will then be given the option to enter your expenses.  You can select enter the full amount and let TurboTax calculate for you or you can calculate the amount that applies to the rental portion. You will also be able to list your house as an asset for depreciation even though it is just a room, the property would still be subject to depreciation.  If she has full use of the house, you can split everything by the number of people in the house and her percentage of the bills to the rental expenses.  If she does not have full use of the house, then you may need to do a little more calculating.  Otherwise, if she only uses a portion of the house, you would need to allocate expenses based on her percentage of the house.   If she is renting the room and it is not at FMV, but it is not shared expenses, the IRS would consider this to be personal use property.  You would still include the rent she pays you as income, but you would only be able to deduct expenses up to the income you receive from her.  As you walk through the questions in the rental section, you will be asked questions to determine whether it is personal use or not.   

@fwgalvg wrote: She said Merrill isn't scheduled to be able to import until 2/26/26  Must have changed because I did it a week ago unless it's just that your consolidated 1099 isn't ready for import yet. I know an absolute ton of people in that situation.