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"If I set the withholding percentage high enough to cover my entire 2025 tax liability, can I ignore the quarterly payments?"   Yes.  Unlike estimated tax payments that are credited when actually paid, tax withholding is by default treated as paid evenly throughout the year.  That's why tax withheld late in the year can make up for what would otherwise be underpayment earlier in the year.

A rollover to a IRA or 401 is quite unlikely since a kiwisaver account is not a qualified account that could be transferred.     If you liquidate the kiwisaver account, that income is reportable on a US tax return since your spouse is  a Green Card holder and all worldwide income must be reporte on a US tax return.  There would be a credit for foreign taxes paid if taxes were due to NZ.   I am assuming no tax was ever paid on the money contributed into the kiwisaver account. 

Thank You. I plan to do an annual 401K withdrawal. I prefer to do it in December so it can keep drawing interest until then.   If I set the withholding percentage high enough to cover my entire 2025 tax liability, can I ignore the quarterly payments?  This would not occur until December so it would appear that I was not meeting quarterly requirements.   Or, I could do the withdrawal now with a high withholding percentage?

Yes, @Opus 17 I think I understand what you're saying. Let me try to restate what you said just to make sure:   For 2024, I contributed directly $7000 to a Roth IRA, then recharacterized that amount to a Traditional IRA, and then converted that amount to Roth IRA. The excess $1000 which I then contributed later accidentally, was contributed directly to a Traditional IRA, then converted to a Roth IRA. So $8000 total to IRAs, which I pay the 6% penalty on the excess $1000.   For 2025, I already contributed directly $7000 to a Traditional IRA and then converted to a Roth IRA. And because I can't do anything with this either because I hit the max, I can either withdraw $1000 from my Roth and take a 10% penalty or I can carry the 6% excess penalty again for this year.   For 2026, I plan to do backdoor Roth IRA contributions as well since my income likely will not drop below the maximum allowable amount. However, since I am doing the backdoor Roth conversion, even if I were to contribute $6000 (instead of the max of $7000) to my Traditional IRA and convert it to my Roth, it would not count because as you said "the unused limit will not flow to the Roth IRA section of form 5329." Meaning I'd still be paying the excess 6%.   So in essence, I am better off just withdrawing $1000 from my Roth sometime in 2025 and taking the 10% early withdrawal penalty since my income will remain too high to directly contribute to my Roth in the near future and would be taking a 6% penalty every year instead.   Did I understand all of this correctly?

Then you  will have to call in and ask for the 2023 download.  How to contact Turbo Tax https://ttlc.intuit.com/community/using-turbotax/help/how-do-i-contact-turbotax/00/26991   If they help you please let me know what you had to do, etc.   

When you use online TurboTax, there are separate fees for your federal and for your state returns.  What did you pay in April?   What did you pay in July?   How can I see my TurboTax  fees?    https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/review-fees-turbotax-online/L1XnIzgzg_US_en_US?uid=m682vq7k   No one in the user forum can resolve a billing issue.  If you have a question about your TurboTax fees or billing, make sure you use the word “billing” in your request for help.  Do not use the word “refund.”   https://ttlc.intuit.com/turbotax-support/en-us/help-article/account-management/contact-turbotax/L2y9ZKpQB_US_en_US?uid=m5s9l2vh    

The deduction for car loan interest is only for vehicles purchased in 2025 or later. If you bought your Chevrolet Tahoe and Indian Motorcycle before 2025 you cannot claim the deduction. The deduction can be claimed on tax returns for 2025 through 2028. The deduction does include SUVs and motorcycles. The final assembly of the vehicle must have been done in the United States. You can only claim the deduction for a vehicle that you purchased new, not used. The gross vehicle weight (GVW) must be less than 14,000 pounds. The maximum deduction is $10,000. The maximum is gradually reduced if Modified Adjusted Gross Income (MAGI) is over $100,000 (over $200,000 for Married Filing Jointly). The deduction is completely eliminated if MAGI is $150,000 ($250,000 MFJ) or more.