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I appreciate that you are trying to save me money on my taxes this year.  What confuses me about your concern is that I thought the whole point of a Roth Conversion is to save me taxes that I will pay on my IRA withdrawals in the future.   So won't a $100,000 dollar conversion this year, be better for reducing the  taxes on my IRA withdrawals in the future?    

@dev145 Thank you so much!   One more question. We donated to a new built church for around $20000 because of their urgent needs. The donation amount covers our entire W-2 of this year (more than our incomes). Usually how could we list this donation into our tax form to get a full tax refund? Will that affect the FICA amount? Thanks again.   

I also signed up for Windows 10 extended support.   I tried using TurboTax online a couple of years ago but found it unusable.  Navigation was so poor that I couldn't go back and fix an incorrect entry.  I also didn't like that it appeared to be saving all of my data in the cloud instead of to a local ".tax" file. At this point, if I need to use online tax software I might as well start from scratch and research all options.  

for line 22 look in the IRS 1040 instructions. tax table starting on page 64 for your filing status if line 5 is less than $100K otherwise use the tax rate schedule starting on page 109. alternatively, you can use the tax rate schedule even if line 5 is under $100K but you're likely to be off a few $. This will tell you the marginal rate used https://www.irs.gov/pub/irs-pdf/i1040gi.pdf                           

Social Security mails you a tax document called a SSA1099 in January.   You will enter that into your tax return.   If your ONLY income is Social Security, you do not need to file a tax return unless you have a 1095A for marketplace health insurance.   GET SSA1099 https://www.ssa.gov/faqs/en/questions/KA-01723.html   https://www.ssa.gov/agency/contact/      Go to Federal> Wages & Income>>Retirement Plans and Social Security  (SSA1099 and 1099RRB) to enter your SSA1099.  

Health insurance that you pay for out of pocket can be entered as a medical expense.   Are you receiving Social Security?  If so, your Medicare Part A and Part B amount flows automatically to the medical expense part of your software, but if you pay out of pocket  (not from your SS benefits) for the supplemental portion, you can enter that.     If you receive Social Security benefits, your Medicare is deducted from your SS.   When you enter the SSA1099 for your Social Security, the amount paid for Medicare flows automatically to the medical expense section of the software, so do not enter it again.     MEDICAL EXPENSES The medical expense deduction has to meet a rather large threshold before it can affect your return. The amount of medical (including dental, vision, etc.)  expenses that will count toward itemization is the amount that is OVER 7.5% of your adjusted gross income. You should only enter the amount that you paid in 2024—do not include any amounts that were covered by insurance or that are still outstanding.  Of course, your medical expenses plus your other itemized deductions still have to exceed your standard deduction before you will see a difference in your tax due or refund.   To enter your medical expenses go to Federal>Deductions and Credits>Medical>Medical Expenses     2024 STANDARD DEDUCTION AMOUNTS SINGLE $14,600    (65 or older/legally blind + $1950) MARRIED FILING SEPARATELY            $14,600    (65 or older/legally blind + $1550) MARRIED FILING JOINTLY $29,200    (65 or older/legally blind + $1550) HEAD OF HOUSEHOLD $21,900    (65 or older/legally blind + $1950)