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Sorry if I was not clear.  Yes, I was talking about the long-term capital loss.  I was thinking that, logically, if the LTCG is being parsed into NIIT-relevant versus NIIT-irrelvant, that probably I would need to parse the capital loss proportionally when I did my NIIT calculation but chatgpt said no, that it could all be subtracted in the NIIT calc.  I don't recall how I posed the question.  Yes, I will not get an answer in time but I am confident you have given me good guidance and also, at least, I am working with chatgpt to determine how much stock to sell this year, although, frankly, it has been a nightmare; but with me cracking the whip, I think we'll get there in the next few hours.  Thanks.  The only reason I didn't do this optimizaiton myself is that I didn't have a great handle on QBI which has nightmarish 'cliffs' for folks like me who have no W-2 income.  if I had it all to do over again, I would have figured that out and done it all myself, given how much time i am spending checking and correcting chatgpt's work.

What was the mistake?   TurboTax provides do-it-yourself tax software.  TurboTax guarantees the calculations done by its software.   The information entered into that software is data entered by you, the user.   TurboTax cannot and does not check that information against any outside sources, so TT cannot know if you entered your information completely or correctly.   It is up to you to enter all of your information correctly and completely, and to check your tax return before you file it.  If you forget to enter some income, or enter it incorrectly, enter it in the wrong place, etc. then you may end up owing additional tax to the IRS and/or state.  TurboTax does not pay the additional tax you owe.   If TurboTax’s calculations were incorrect, and you owe penalties and/or interest, then TT will pay the penalties and interest.  The tax due is always owed by you, and must be paid by you.   If you need to enter a claim for the accuracy guarantee:   https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/submit-claim-turb...    

TurboTax gets no information after you e-file or snail mail your return.   If the IRS shows that your 2024 return was received, then they must still be processing it.   FROM THE IRS WHERE’S MY REFUND SITE: https://www.irs.gov/wheres-my-refund How it works Where's My Refund shows your refund status: Return Received – We received your return and are processing it. Refund Approved – We approved your refund and are preparing to issue it by the date shown. Refund Sent – We sent the refund to your bank or to you in the mail. It may take 5 days for it to show in your bank account or several weeks for your check to arrive in the mail.   If the IRS does not show anything for the 2023 return that you filed by mail, there are a couple of possibilities---first--your return might have been lost in the mail and you will need to mail it again.  Or, second, you are using the wrong amount for the refund when you check the refund status on the IRS site.  You have to use the amount on line 35a of your Form 1040.  

Are you speaking about your LT Cap Loss? I didn't understand just what you meant. Was that within the NUA? Perhaps more explanation? How did you pose the question to ChatGPT   With ChatGPT and CoPilot I frequently encounter errors. Both are great sources but "Trust but verify". Early on in my researching how to report the NUA sales I asked ChatGPT and CoPilot Are proceeds from the sale of a stock held in an NUA subject to the NIIT. Both answered that they were. Following my challenge that the instructions for Form 8960 clearly stated they were not, both changed corrected their answer. In checking today 12/30 the same question is now answered correctly.   It looks like you aren't going to get a response to your posting. Perhaps too complex of a question?  

In 2023 I had to mail in my forms because I worked in USVI; the same as 2022 filing with which I had no problem. In 2024 I filed online, but when I check IRS website with all the info and expected return total- mo record found.

DID YOU E-FILE?   Did you e-file?   Did you go through all three steps of the FILE section and click a big orange button that said “Transmit my returns now?”     When you e-file your return you will get two emails from TurboTax.  The first one will say your return has been transmitted; the second one will tell you the IRS has accepted  or rejected your federal e-file.  If you filed a state return, there will be a third email (usually a day or two later) that tells you if the state e-file was accepted or rejected.   Check your e-file status:   https://turbotax.intuit.com/tax-tools/efile-status-lookup/    What does it say in your account?  Does it show that the return was accepted?   Or does it say something else---like "rejected," "printed," or "ready to mail?”   If you discover or realize that your e-file was rejected, you will need to print it, sign and date it in ink, and file it by mail now, since e-filing is closed for past year returns.     What does it say on the IRS refund site for your returns?   Once your federal return has been accepted by the IRS, only the IRS has any control.  TurboTax does not receive any updates from the IRS. Your ONLY source of information about your refund now is the IRS.     You need your filing status, your Social Security number and the exact amount  (line 35a of your 2024 Form 1040) of your federal refund to track your Federal refund:    https://www.irs.gov/refunds   To track your state refund:     https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/track-state-refund/L3jgO8PGs_US_en_US?uid=lt447ebr  

 You will be able to access the 2024 return you started by using the exact same account and user ID that you used when you started it.   But you can no longer use online software for any further changes.       Start a 2025  return online and enter some personal information  so that the menu on the left opens up and lets you access your past year returns.   Online tax preparation and e-filing for 2024  returns is now permanently closed.    Now it is too late to use online software or to e-file. If you have any changes/corrections at all to make to your 2024 return, you now have to complete it using desktop software, which you must download to a full PC or Mac  (not to a mobile device).Then you need to print, sign and mail it.   https://ttlc.intuit.com/turbotax-support/en-us/help-article/printers-printing/finish-prior-year-return-started-turbotax-online/L9Oe4M90A_US_en_US?uid=m68tffpe   If you already paid for your online software you can ask customer support for a download of the desktop software.   They are available from 5 a.m. to 5 p.m. Pacific time Monday - Friday   https://ttlc.intuit.com/questions/1899263-what-is-the-turbotax-phone-number     If you are getting a refund, there is no penalty for filing late.  If you owe tax due, then file and pay the amount due as shown on the Form 1040, but expect a bill later from the IRS for the penalty and interest you will owe.  Only the IRS will calculate this—TurboTax will not calculate it.     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/state received the return.   Federal and state returns must be in separate envelopes and they are mailed to different addresses.  Read the mailing instructions that print with your tax return carefully so you mail them to the right addresses.    

How did you fill out the forms for the last 25 years? Did you use TurboTax Desktop software in forms mode, or paper forms, or some other way? TurboTax Online does not have forms mode. Everything has to be entered through the question-and-answer interview. If you are used to using forms mode and you want to continue doing that, you have to buy the TurboTax Desktop software. But if you are not familiar with forms mode in TurboTax you will probably find it difficult, confusing, and error-prone.  

Are you able to download it from this link by selecting "access it here"? https://turbotax.intuit.com/personal-taxes/past-years-products/  Did you receive an email after purchase? Let us know if you were able to download or not. Thanks, @TimButler 

You have to report all income. You can use your medical expenses as an itemized deduction but can only deduct a total of medical expenses greater than 7.5% of your AGI. That’s only helpful if your total itemized deduction is greater than your standard deduction.