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This is a fantastic summary, of that first year paying for college and having advise for that initial tax year filing — both of parents and the college-aged child.   That original post was 2019. Excellent summary.   Now, is anything in that analysis different now in 2025-2026? There was the major expansion of “what qualifies” as the target (any contribution limits) for 529-qualified funds 1099-Q during the summer of 2025 so-called “Big Beautiful Bill”. But my question is, did any of the material and analysis in this post from 2018 materially change between 2019 and January of 2026? I particularly appreciated how that article clarified that 529-qualified funds can pay for Room & Board, while most other payment sources (scholarship, out-of-pocket) could not “qualify” with regard to annual taxes. The material is complicated for a first-time college family. 

For a California resident, an HSA is treated the same as a brokerage account where taxes are assessed on earnings each year.  A California resident simply moving an HSA account in-kind does not create a state-taxable event.  However, if you have capital investments in the HSA and in the process of moving the HSA you sell those investments, moving the cash proceeds rather than doing an in-kind transfer, you can create a state-taxable capital gain.   Don't confuse this with a rollover from an MSA to an HSA which is a taxable event for a California resident. https://www.ftb.ca.gov/tax-pros/law/legislation/2019-2020/AB2384-021820.pdf   Also, this tread is not discussing an HSA owner moving to California from some other state.

thanks @KarenL .  Customer Care also reached out after I mailed Office of The President to ask about this, they said that paragraph is meant to refer to the business users not personal, which would make more sense; but I told them that was really not clear at all, if so it may need further updates.

You may qualify for a medical expense deduction if the tuition is mainly for special education services related to your son’s autism. It depends on IRS rules and proper documentation — best to check IRS Publication 502 or consult a tax professional.

an employee does not get a federal deduction for computing to work. if you work from home and commute to clients as an independent contractor then the deduction would go on schedule C. An independent contractor that has a place of business apart from their residence gets no deduction for commuting from home to their place of business. They are entitled to a deduction for traveling form their place of business to and from clients.      perhaps if you explain your situation in more detail, we can provide additional guidance.    for example, if your business is a Corporation or Partnership slightly different rules would apply. 

Based on your situation, you were likely a part-year resident of WI while attending school and working there, and now a resident of IL after moving back. Tax residency rules depend on where you maintain your permanent home and the duration of stay in each state—consulting state tax guidance can clarify your filing requirements.

@xtydurk  I see you have another thread on this issue.  See the answer I left you in your other thread:   https://ttlc.intuit.com/community/after-you-file/discussion/i-have-been-trying-to-receive-a-six-figit-code-to-no-avail/01/3709469#M804183

You didn't say what kind of code.   Are you referring to the 6-digit email verification code some people need when efiling?   If so, are you not receiving the code in your email at all?  In that case, check your email's spam/junk folder to see if it might have ended up there.    You can also use the steps below to verify your email address, which may solved your issue.  You can also change the email address if desired (using the steps below.)   You can go to your settings in your Intuit account and change or verify your email address there if it's not verified.   In the left menu column scroll way down to Intuit Account. Then once in the account choose tab Sign In & Security. See if your email address has a tiny link beside it that says "not verified".  If so, click that to verify. It may then send a link to your email instead of a code by which you can verify it. Perhaps once you verify it there in the account settings, it won't ask you to verify it again when you are efiling. But if it does ask you again when efiling to enter a code, be sure to leave the interface open that asks for the code while you retrieve the code using a second tab, second window, second browser, or on your phone. If after all that, you still can't resolve your issue, here's how to reach TurboTax Support Mon-Fri 5AM-5PM Pacific.   FAQ: What is the TurboTax phone number? https://ttlc.intuit.com/community/using-turbotax/help/what-is-the-turbotax-phone-number/00/25632   If you use Free Edition and don't have phone support, another way to reach them if you have social media is to direct message a Support agent: https://x.com/TeamTurboTax or https://www.facebook.com/turbotax

@dburns1 @dev145 Thanks a lot. I see. Thus, I could deduct 60% of AGI. Is the 1098T or 529 good for adjusting the AGI?    What is the form number for the NYC city tax's education credits, donations and home credits?  

@KSB78  Pub 936 is an interpretation of the tax law but we are allowed to use any reasonable method to determine the amount of deductible interest that complies with the tax code. Everybody seems to agree that following the instructions in Pub 936 to calculate the aggregate average balance of the sold and purchased homes is not reasonable. I agree that it seems unfair to have to sum the averages together in most cases and have proposed your suggested method to others in the past. I do not, however, think it is reasonable in your case.   If you use an average balance of 860K and a 750K limit, the deduction would be 87.2% of your total interest. This is a significantly higher percentage than you will be allowed in 2026 when you have just the new home: 750K / 1.3M = 57.7%. Also, I believe that you stated your fist mortgage originated before Dec 16, 2017 which makes it subject to the 1M limit.   If you use the Exact Method (not in Pub 936 but allowed) you can deduct 100% of the interest on the sold home plus approximately (750K – 265K) / 1.3M = 37.3% of the interest on the purchased home. This should be similar to what you get from Turbo Tax or using the worksheet in Pub 936.