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was the health plan with her employer a family plan or self-only? was your personal plan self-only, family or were you covered by her family plan?.   the issue is that with a self-only coverage the maximum is $4300 for her account (not over 55). the same applies to your account if you had self-only coverage. however if either of you had family coverage ($8550 max which can be split anyway you want between the two accounts. you indicate on both family coverage on both HSA forms.   each person can contribute an extra 41000 to their HSA account if 55 or oleder on 12/31/2025.   with self-only coverage (both) any excess must be removed from that account. 

How to view all your accounts https://ttlc.intuit.com/turbotax-support/en-us/help-article/account-management/many-intuit-accounts-turbotax/L9aVfKS1Z_US_en_US?uid=ll5g6zcx It's common to end up with multiple accounts. First LOG OUT of whatever TurboTax account you're logged into right now. Then use this TurboTax account recovery website to get a list of user ID's for an email address. Run the tool against any email addresses you may have used https://myturbotax.intuit.com/account-recovery/ If you used the Desktop CD/Download program then the only copy is on your computer and not saved or stored online. You can also request a transcript from the IRS https://www.irs.gov/individuals/get-transcript

Did you start it online last year?  How to finish a return you started online https://ttlc.intuit.com/community/prior-year-return/help/how-do-i-finish-a-prior-year-return-that-i-started-in-turbotax-online/01/26322   How to prepare a prior year return https://ttlc.intuit.com/community/using-turbotax/help/how-do-i-prepare-a-prior-year-tax-return/00/25984 To do a prior year return you have to buy the Desktop program here, https://turbotax.intuit.com/personal-taxes/past-years-products You will need Windows 10 or Mac Ventura 13 to install it on. If you can't install the Desktop program or if you have a simple return and want to file for free, you can fill out the blank IRS forms by hand. Here are some basic forms….. Here is the IRS 2024 Form 1040 https://www.irs.gov/pub/irs-prior/f1040--2024.pdf or if you want bigger type use 1040SR for Seniors, https://www.irs.gov/pub/irs-prior/f1040s--2024.pdf And 2024 Instructions https://www.irs.gov/pub/irs-prior/i1040gi--2024.pdf Sch 1 : https://www.irs.gov/pub/irs-prior/f1040s1--2024.pdf Sch 2 : https://www.irs.gov/pub/irs-prior/f1040s2--2024.pdf Sch 3 : https://www.irs.gov/pub/irs-prior/f1040s3--2024.pdf Then when you do file 2025 enter 0 for the 2024 AGI since you are filing 2024 late. You have to print and mail prior year returns. When you mail a tax return, you need to attach any documents showing tax withheld, such as your W-2’s or any 1099’s. Use a mailing service that will track it, such as UPS or certified mail so you will know the IRS received the return. Don’t forget state.

buying a second copy does not allow you to e-file an additional 5 returns. The limit is set by the IRS. Only licensed tax preparers are permitted to e-file more than five returns.  if you are unlicensed and manage to e-file more than 5 returns of any one type, if caught, you would be subject to IRS penalties for failure to register as a tax preparer.   

There is no more 1040EZ or 1040A return.  That was stopped many  years ago.  Now everyone files a full 1040 return or 1040SR if you are over 65.  What  year do you need to file?  It is too early to file a 2025 return.     How to finish a return you started online https://ttlc.intuit.com/community/prior-year-return/help/how-do-i-finish-a-prior-year-return-that-i-started-in-turbotax-online/01/26322 If you can't get the side menus to open up to access the prior year..... You need to start entering some basic Personal Info in 2025 for the side menu to open up. Just continue a little ways into 2025.

What?  There isn't a penalty  for social security withholding.   I don't have any withholding taken out of my SS.   If you end up owing too much on your tax return on all your income you can owe an underpayment penalty.     If you do not pay in enough tax from withholding and estimates, you may have to pay a penalty for underpayment of estimated tax. The penalty is an Estimated amount. Even if you are getting a refund you can still owe a penalty for not paying in evenly during the year. Generally, most taxpayers will avoid this penalty if they owe less than $1,000 in tax after subtracting their withholdings and credits, or if they paid at least 90% of the tax for the current year, or 100% of the tax shown on the return for the prior year, whichever is smaller. It is included in your tax due or reduces your refund. If you get a penalty on 1040 line 38, you might be able to eliminate it or at least reduce it. You can go to Federal Taxes tab or Personal tab, under Other Tax Situations and select Start by the Underpayment Penalties. You will answer a series of questions that may reduce or eliminate the penalty. Or you can elect to have the IRS figure the penalty for you. It's form 2210. How to add form 2210 for Underpayment Penalty https://ttlc.intuit.com/community/tax-payments/help/how-do-i-add-form-2210/00/25703  

First of all, why did you buy 2 Deluxe?  Were you able to install both of them?  You can only install 1 Turbo Tax program.    And your return is not kept in the program but in a separate data file ending in .tax2025.   So you can open the .tax2025 file in any Desktop program even in a different version like Premier.   Are you on Windows or Mac?     But you only needed to buy 1 version. The Desktop program can do unlimited returns and efile 5 for free. And All the Desktop programs have the same forms. You just get more help and guidance in the higher versions. And you can install the same program on 5 computers you own.  You should try to get a refund for one of them.      

It is automatic.  The 6,000/12,000 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 if you qualify.   Nothing about Social Security has changed. It can still be taxable. There is a new Enhanced Senior Deduction. This deduction is intended to provide tax relief for seniors and is in addition to the existing Standard Deduction or your Itemized Deductions. Expires December 31, 2028. The maximum deduction is $6,000 for each person 65+. The phaseout is 6% of the amount by which MAGI exceeds $75,000 for single or $150,000 for married filing jointly (MFJ). The MAGI is normally the same as your AGI but with some Foreign items from Form 2555 added back in. On a joint return the phaseout is calculated separately for each person, so the 6% phases out for each spouse.