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Log into your UMB Bank account online, and check your transactions for the year - did they send you money in a withdrawal, expense reimbursement, or minimum distribution transaction? Did you close out your account and receive a check for the balance? Check the section of the account for Tax Forms - did they prepare a 1099 or other tax reporting document for you to use this year?    What kind of account do you have with UMB? (HSA, FSA, retirement, etc.) If you can share what type of account you have with this financial institution, we can help you understand what type of distributions you may have received from them throughout the year. 

It depends. Check out the information at the bottom of the page in the link below to review the 'Free' tax situations. This will allow you to see if there are any situations on your tax return that might upgrade you to a different version of TurboTax. TurboTax Details for Simple Returns

@JATX wrote: .....i’m shopping for a new program for 26. Frankly, you will be wasting your time as no other DIY tax prep software company offers anything like ItsDeductible; the charitable donations valuation component is built in to their software, not a separate program.   There are, however, several ItsDeductible replacement programs available and you will find them if you do a Google search.

You should be able to download your ItsDeductible data using the instructions at the site below.   https://ttlc.intuit.com/turbotax-support/en-us/help-article/account-management/access-manage-personal-data-intuit-account/L8nCbA0px_US_en_US

It appears as though there may be no boot. Use the details here to make the actual determination with your numbers. Here are a few details and entry procedures for your Section 1031 like kind exchange. The property was not really out of service, it was temporarily renovated and then traded. I would not indicate it was removed from service before the trade and that it was rented the entire year. This will save some unwanted steps and it's a reasonable action.   The new appliances added to the old property should be placed in service in 2025, since it was added to the property given up. See the rules below for depreciation. The property received is treated the same as your old property for depreciation.   Depreciation Rules: The basic concept of a 1031 exchange is that the basis of your Old Property rolls over to your New Property. In other words, if you sold your Old Property for $100,000, and bought your New Property for the same, your basis on the New Property would be the same. It makes sense then that your depreciation schedule would be exactly the same, and does not change! In other words, you continue your depreciation calculations as if you still own the Old Property (your acquisition date, cost, previous depreciation taken, and remaining un-depreciated basis remain the same). Add new assets for any appliances purchased in 2025 for either property.   Buy Up:  If you 'buy up' in your exchange (your New Property cost more than you sold your Old Property), the answer is easy – you treat the buy up part as you would a new addition to an existing property. In other words, you treat the amount of the buy-up the same as you would the cost of construction, for example, of a garage added to an existing house – the cost is the amount of the buy-up; the date you start depreciating it is the date you purchased the new property; and the depreciation method you use is the method most appropriate for that type of property in the year you bought the New Property (regardless of the method you used for the original house). If you think of it this way, then it's easy, even if your property is a large office building or a more complex purchase. IRS Fact Sheet-Section 1031 When you have your TurboTax return open you can use the following steps to update the original assets for the exchange. First use the Search (upper right) > Type rentals > Press enter > Click on the Jump to... link Or Wages & Income > Rental Properties and Royalties > Update > Continue to Rental and Royalty Summary > Edit the property Scroll to Assets/Depreciation  > Click Update > Select 'Edit' next to each asset Edit beside each asset > Continue to the Tell Us About This Rental Asset Select the checkbox beside 'This item was sold, retired, .... traded in ....etc. > enter the date it was traded (sold/retired) You can choose not to select this and just change the name of the assets given up in the trade to identify them with the new property. The depreciation for the year will not change on these assets. Answer the question about whether it was 100% business > Leave the original date it was placed in service (may be purchase date or later depending on your circumstances) Continue to the screen 'Confirm Your Prior Depreciation' The amount displayed is only for prior years and does not include the current year. Continue until you see the current year amount displayed and make a note to add the two amounts together for the Section 1031 like kind exchange. This completes the asset portion of the trade. Answer 'Yes' to Special Handling. Next you will complete the like kind exchange, Form 8824 (Section 1031 exchange): Use the Search (upper right) > Type like kind > Press enter > Click on the Jump to... link Select the checkbox beside 'Any additional like-kind exchanges (section 1031)' > Continue Complete the information for the 'Real estate given up'  and 'Like-Kind Property Given Up' > Continue Name the event > Continue > Complete the information for the 'Like-kind property received' If you did not give unlike property in the exchange click 'No' and  continue past these screens, if 'Yes' answer the questions. Enter any exchange expenses (sales expenses) > Continue to see your deferred gain. If you marked the original assets as sold, traded, etc (see 5. above) then go back to your rental activity and then enter new assets with the exact same information as the property given up with a new name, but with the same date placed in service as the old property, for all assets that are part of the exchange.   Enter a new asset for any buy up/added cash in the exchange including the purchase/selling expenses you paid in the trade. The new asset will begin depreciation on the completion date of the trade/like kind exchange.   These links may be helpful as well:  Where do you enter a like-kind  or Section 1031 exchange? IRS Fact Sheet for Section 1031 Exchange IRS Instructions for Form 8824 @earth777

TurboTax receives no information from the IRS after you file your tax return.   The IRS will mail you a letter that explains why your refund was reduced.   No one in the user forum can see your tax return or any of your information, so we cannot even guess what the IRS changed.

1099-NEC income can not be reduced below zero by SE-Insurance premiums. Did you enter all the premiums using the linkage in Schedule C? if you enter them as part of medical expenses, they are not being treated as SE medical insurance. 

No, you cannot select that you were covered by a HDHP all year if you were covered only 11 months.  There is no time gap allowed with regard to being eligible to make a contribution to your HSA.  If you are not covered during a particular month, then your maximum allowed contribution to the HSA could be affected.     If you are covered on the last month of the year, then you can make the full HSA contribution based on that last month coverage.  But, you must remain an eligible individual for the entire following year.  If you do not maintain coverage through all of 2026, then your 2026 tax return will address the situation.  

If you did not take your RMD and did not receive a Form 1099-R, but would like to request a waiver via Form 5329 for your inherited IRA in TurboTax, do the following:   In TurboTax Desktop:    In Forms Mode, go to Open Form at the top left corner of your TurboTax screen and type 5329 Select Form 5329-T On Form 5329-T, scroll down to Line 52a and input the $_ that was your RMD On Line 53a, input zero (0) for the amount of the RMD you took Input the $_ in Box A found just below Line 53b Click Explain just below the $_ Write: "I mistakenly did not take the RMD for my inherited IRA. Upon discovering the error in January 2026, I immediately withdrew the full 2025 RMD amount of $_. I have now set up an automatic withdrawal to ensure this does not happen again."   In TurboTax Online:   Go to Wages & Income and select, Retirement Plans and Social Security, 1099-R... Select, IRA, 401(k), Pension Plan Withdrawals (1099-R), then Start Here, you will select Add a 1099-R, but will enter $0.00 in Box 1 and Box 2a since this is only to trigger the RMD interview, Continue Note: Box 7 should have Code 4 for an inherited IRA, as well as the IRA/SEP/SIMPLE box checked Click Continue through the interview, answering through next screens When you reach Review your 1099-R Summary, click Continue Ensure you selected, I inherited this IRA plan, Continue Enter the information about from whom it was inherited, Continue Answer the, "Did you have nondeductible contributions for this IRA?", typically No (unless your mother tracked her basis on Form 8606), Continue Year when the person from whom you inherited IRA was born, Continue When you reach, "Let's get more information about your Required Minimum Distribution (RMD), enter the amount of your RMD that was due by December 31, 2025 (but did not take), Continue On the next screen, "How much of this distribution applied to your December 31, 2025 RMD?" Select "None of this distribution applied...", Continue Next, you will be asked, "Did you take out the remaining $_ during the correction window?", Select, "No, I did not", Continue When you reach, "Review your 1099-R summary, Continue (not the pencil) When you reach, "Let's go over any required minimum distributions (RMD), Select the pencil Next, you will see, "Did you miss taking the...RMD...?", Select Yes, Continue Enter the amount of the RMD (that you should have taken) when you reach, "Tell us the Total RMD...", Continue Select "No", when asked, "Did you take a corrective distribution...?", Continue Do you want to request a waiver, select, "Yes", Continue Next, enter the amount of your RMD for which you are requesting the waiver, Continue Next, enter an explanation, Continue

From the left rail menu in TurboTax Online, select Tax Tools (You may have to scroll down on the left side menu.) On the drop-down select Tools On the Pop-Up menu titled “Tools Center,” select Delete a Form  This will show all of the forms in your return  Scroll down to the form you want to delete  Select the Form  Select Delete / select the trashcan icon next to the form. Make sure there are 2 versions of the form you expect to see as a duplicate before deleting it out of your return.

I am trying to figure this out too. I found this post, but i am not sure if this is the correct method https://ttlc.intuit.com/community/state-taxes/discussion/as-a-full-time-maryland-resident-that-had-to-travel-for-work-can-i-claim-a-credit-for-the/00/499385

Might be as simple as following: When TurboTax window opens, go to "Start New Tax Return" and it should show previous year.  I tried to fill name etc with clicking that.  Did have to make sure previous was in operating system I currently have first.