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You can't contribute more than your total compensation.  Total compensation is net income from self employment (minus the deductible portion of self employment tax) and for w-2 employees is box 1 wages minus box 11 contributions to non-qualified plans.   Assuming you contributed to normal maximum to your IRAs, including the spousal IRA provision, of $16,000 for 2024, but your compensation is less, you have an excess contribution.  You need to remove the excess contribution by April 15, or by October 15 but you need to get an extension to file.  The excess can be removed from either your account or your spouse or a combination of both.  "Removal of excess contributions" is a special procedure, not a normal withdrawal.  The custodian must also return an earnings attributed to the excess contributions.  Those earnings are taxable income on your 2024 return even though they will be paid in 2025.  To report the earnings, you will create a substitute 1099-R using the name and address of the IRA.  Put the total withdrawal in box 1, the taxable earnings in box 2a, and use codes "P" and "J" in box 7.   If you really think the plan will screw this up (they shouldn't, it is very common), on alternative is to leave the excess contributions in the account, you will pay a 6% penalty on the excess.  Then, make a regular withdrawal in 2025 of at least the amount of the excess.  This will remove the "excess" from the account.  The withdrawal will not be taxable on your 2025 return, for various reasons, but you will get a 1099-R and you have to report it, so it clears the penalty on form 5329.  You don't need to withdraw earnings in that case, that was what the 6% penalty on your 2024 return was for.  

Yes, those expenses could be considered start up expenses until your rental property is available for rent whether or not you have an immediate tenant. You can either deduct or amortize start-up expenses once your business begins rather than filing business taxes with no income.   Start up costs - if you had any expenses before you actually opened for business services such as legal fees, market study or organization fees.   Amortize all of them over 180 months (IRC Section 195 Property); OR ​​​​​​The IRS allows you to deduct $5,000 in business startup costs and $5,000 in organizational costs, the first year the business/rental is operating, but only if your total startup costs are $50,000 or less Add them as Business Expenses. Continue past the expense categories (or choose Other Miscellaneous Expenses) to the page titled "Enter Business Expenses Not Yet Reported" and enter the description & amount  If you have more than $5000 in start-up costs, the remainder is entered under Assets/Depreciation as a capital asset for amortization as noted above. Start up Business Tax Tips Any assets purchased (house, appliances, capital improvements) will  be added as Assets for your rental property. Under rental expenses select Add expenses or assets. Where do I enter income and expenses from a rental property?

All of your suggestions are things that I have already  addressed. When I  call the IRS  # and ask for a status on 2022and2023, after entering the requested information (SS, Birth date, & zip),  their automated system responds that that person cannot be found.

Yes, based on this information, there is an opportunity to reduce/eliminate the penalty.  You can annualize the tax. Here is how to enter the information in TurboTax Online:   Navigate to Federal > Other Tax Situations > Additional Tax Payments > Underpayment Penalties > Start or Revisit Continue through the questions until you arrive at the screen Annualized Income Method, answer Yes, and Continue on the next 2 screens  Enter the what you earned in the first 3 periods on the screen Annualized Adjusted Gross Income, ensuring the amounts are cumulative for the year.  Similar to step 3, on the screen Itemized Deductions on Schedule A enter the what your deductions were in the first 3 quarters, ensuring the amounts are cumulative for the year.  Continue with the process for the following screens until you reach the Conclusion, which needs to be unchecked if you want to see the results. Continue through the interview, answering the questions, until you reach Underpayment Penalty, which tells you what the underpayment computed using the annualized method is.   See also: Why am I getting an underpayment penalty if I'm getting a refund?  

Two things need to happen for this to be possible: 1. The taxing agency has to be able to accept and process PDF files, and 2. TurboTax has to have coding to enable the process.   While the Georgia state return does allow attaching PDF documents, this is what our Canadian friends call a "one off". That is, this is not normally a feature of TurboTax. 

You can go through the filing steps again to submit your returns (you won't be prompted to pay again).   No one can call you from the Community Forum.   You can Contact Support if you are still having problems.    Make sure you are signing into the same TurboTax account you used to prepare your return.   You may have more than one account.   Use the instructions below to ensure you are signing into the correct account.     How many TurboTax Accounts do I have?