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The 30% credit for a heat pump water heater is not limited to your main home.   From IRS Fact Sheet FS-2025-01: A taxpayer claiming the credit for electric or natural gas heat pump water heaters; electric or natural gas heat pumps; central air conditioners; natural gas, propane, or oil water heaters; natural gas, propane, or oil furnaces or hot water boilers; biomass stoves or boilers; oil furnaces or hot water boilers; and improvements to, or replacements of, panelboards, sub-panelboards, branch circuits, or feeders must have installed such property in a home located in the United States and used as a residence by the taxpayer. In this case, the taxpayer may rent the home in which such property is installed, and such property may be installed in the taxpayer’s second home.   This is different from other categories of energy improvements, such as insulation, doors, and windows that are limited to your main home.

If this was a CD inside an IRA, the early withdrawal penalty charged by the bank is not deductible. There are really two different things that get called “penalties” and it helps to separate them.   If the bank reduced your balance because you broke the CD early, that’s just a contractual penalty. It lowers the value of your IRA, but it isn’t a tax deduction. There’s nothing specific to deduct for that.   Separately, if you took money out of the IRA before age 59½, there may also be a 10% early distribution penalty from the IRS unless you qualify for an exception. That’s a tax calculation issue, not something you deduct either.   So in short, an early withdrawal fee on a CD inside an IRA is not deductible. It simply reduces what you received.   And for anyone opening CDs inside or outside retirement accounts, it’s worth checking the early withdrawal terms carefully. For example, you could use CD Valet, a CD marketplace that lists over 40,000 CD rates from federally-insured banks and credit unions across the US, which makes it easier to compare terms before locking in your money.

@JohnRic      Just fyi, if you're still experiencing the zip code issue, I suggest calling TurboTax and asking to speak to the Resolution Department to get the Desktop version (including MI) for free.   TurboTax was finally able to provide me with a resolution so I could file my taxes correctly (without the zip code issue on the MI Homestead tax credit form).  The Resolution Department gave me a free Desktop version (plus MI). I was able to import my data from my online account, and there is no zip code issue on the MI Homestead tax credit form when using the Desktop version.   Overall, this zip code issue has been a royal pain, with a ridiculous amount of time spent/wasted on the phone with customer service reps (over multiple days) and my posts/responses in this Community forum.  Extremely frustrating.   Each time I’d call in and spend time explaining and trying all of their steps to hopefully get it to work property, with screen sharing, it wasn’t until my last call on Saturday where I was FINALLY transferred to their Resolution Department (who knew there was such a department!).    Even then, I had to spend quite a bit of time going over the situation yet again, with additional screen sharing, but I was finally offered this solution.   Apparently, a regular CSR can’t simply transfer you to the Resolution Dept… they need to obtain permission first.   Early on, all I really wanted was acknowledgement that there was in fact this issue that needed to be fixed (presumably programmatically)… but after giving it a week and calling in every few days to check in on the status, I was very frustrated that no one could actually confirm that this was known issue that would get fixed (beyond my calling and posting in this forum, and pointing out that you and one other person had reported this exact issue here... at one point on Saturday I was told their IT never "took over" my issue/investigation, meaning no one was fixing it).   If you haven’t reached a resolution yet, I suggest calling and asking/insisting to speak with the Resolution Department… with the knowledge that the free Desktop version (plus MI) is the resolution I had been provided.   It's not ideal, but at least it's something... and now I don't have to waste any more of my time with CSRs.  Now, I have to spend more of my time to use the Desktop version and then going through everything (again) with a fine-tooth comb before filing.  And to think paid good money for this... for all of my wasted time and now duplicative effort to learn and use the Desktop version.   Hoping this will help you.   @thereseozi 

To enter, edit or delete estimated taxes paid (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 Estimated Tax Payments, click on the start or update button   On Federal estimated taxes for 2025 (Form 1040-ES), click the start button   Federal estimated taxes paid are entered on Form 1040 Line 26

You received Form 1099-NEC for non-employee compensation so you are considered an dependent contractor. The IRS considers income earned as an independent contractor, self-employment income. Refer to the IRS website Independent contractor defined for further explanation.   You are considered self-employed and will complete Schedule C which is how you report your self-employment income. The good news is that you can deduct ordinary expenses that you incurred making this income.  Follow the steps below to enter your income.   Open TurboTax Select Wages & Income Select Self-Employment TurboTax will guide you through the interview screens to help you enter your income and expenses. For more information, refer to the TurboTax  article What is a 1099-NEC?   For additional information, review the TurboTax help articles:  What self-employed expenses can I deduct?  and How do I report income from self-employment?    You will ‌also be subject to self-employment taxes. Self-employment taxes and deduction are calculated on Schedule SE.  For additional information, please see the TurboTax article Self-Employed Federal Income Taxes.