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Federal and state refunds come from completely separate entities.  There is no rule as to which one will come in first or how long it will be between their arrival in your account.   TurboTax gives you an estimated date for receiving your refund based on a 21 day average from your date of acceptance, but it can take longer.  “21 days”  is not a promise from TurboTax or the IRS.      First, check your e-file status to see if your return was accepted:  https://turbotax.intuit.com/tax-tools/efile-status-lookup/   Once your federal return has been accepted by the IRS, only the IRS has any control.  TurboTax does not receive any updates from the IRS. Your ONLY source of information about your refund now is the IRS.     You need your filing status, your Social Security number and the exact amount  (line 35a of your 2024 Form 1040) of your federal refund to track your Federal refund:    https://www.irs.gov/refunds   To track your state refund:     https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/track-state-refund/L3jgO8PGs_US_en_US?uid=lt447ebr   If you chose to have your TurboTax fees deducted from your federal refund, that will take some extra time, while the third party bank handles the refund processing     https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/refunds-take-longer-others/L14YlqFrH_US_en_US?uid=lexdr7zh . https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-refund/irs-refund-taking-longer-21-days/L2vRAJbdU_US_en_US?uid=lexe7lst

No one in the user forum knows anything about settlement money you think you should have received, nor can we find out.  We have no access to your information.   Is this what you are referring to?   The settlement agreement covers users who used TurboTax in 2016, 2017 or 2018.   If you are one of the affected users you will receive about $30 for each of those years in which your income was $34,000 or less and in which you started in the Free Edition and were upgraded to a paid version of the software.     https://agturbotaxsettlement.com/Home/portalid/0   "Covered Consumer" means any individual, or individuals if a joint return was filed, who in Tax Years 2016, 2017, or 2018 was (1) eligible to use an Intuit IRS Free File Product; (2) began his or her tax returns using a TurboTax Free Edition Product; (3) was informed that he or she was ineligible to use a TurboTax Free Edition Product; (4) subsequently paid to use a TurboTax Paid Product, and (5) had not used the Intuit IRS Free File Product in a previous tax year.   You do not have to “sign up” or get on a list.   The payments will be sent out automatically to the affected users.    https://www.verifythis.com/article/news/verify/money-verify/turbotax-settlement-you-do-not-have-to-make-claim-to-receive-money/536-7a90e8ba-329b-4ad9-aa14-bb487623905e     As for 2022---again---we have no access to your information or to your account.  TurboTax gets no information from the IRS after you file your tax return.     DID YOU E-FILE?   Did you e-file?   Did you go through all three steps of the FILE section and click a big orange button that said “Transmit my returns now?”     When you e-file your return you will get two emails from TurboTax.  The first one will say your return has been transmitted; the second one will tell you the IRS has accepted  or rejected your federal e-file.  If you filed a state return, there will be a third email (usually a day or two later) that tells you if the state e-file was accepted or rejected.        What does it say in your account for 2022?  Does it show that the return was accepted?   Or does it say something else---like "rejected," "printed," or "ready to mail?”   If you discover or realize that your e-file was rejected, you will need to print it, sign and date it in ink, and file it by mail now, since e-filing is closed for returns for tax year 2022.   Or....did you choose to pay your 2022 software fees from your federal refund?   First you need to check the IRS refund site to see if your refund was issued, and look to see how much they issued.   https://www.irs.gov/refunds   Your tax refund was not sent to TurboTax.   TurboTax does not handle your refund at all.   Santa Barbara Tax Products Group, LLC  (SBTPG) is the bank that handles the Refund Processing Service when you choose to have your TurboTax fees deducted from your refund. This option also has an additional charge from the bank that processes the transaction.  You can contact them SBTPG, toll-free, at 1-877-908-7228 or go to their secure website www.sbtpg.com              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   What is Refund Processing Service?  

Hi Click, THanks for the quick reply. I understand that having a Roth IRA over five years, covers the five year requirement for all Roth IRAs, and being over 59 1/2 old, as far as the principal goes, meaning contribution and conversions. But, the other five years rulke is on earnings. The distribution from earning portion to be qualified, the account has to be over five years old. This is my understanding. Am I missing something here?  Due to IRS' ordering rule, I thought it is cleaner if I have separate Roth accounts for each conversion. Then, it is clear where money is withdrawn from, easier to document. Is it a valid approach, or unnecessary one?

@Click wrote: > 2025 software mostly uses the 2024 numbers until AT LEAST the mid-December update   What gave you that idea? What numbers are you talking about? The 2025 tax brackets, deductions, even much of the OBBB changes (including the extended senior deduction) were in the initial public release around the first of November.   Maybe they have improved things from prior years.  In most prior years, MANY items (HSA limits, maximum IRA/401k contributions, and much more) were not updated to the current year until at least the mid-December update.    Thanks for letting me know that they have improved.

Why do you expect it to be taxed differently?   You are taxed on the amount of income you earned -- whether it was weekly pay or a bonus.  When you prepare your tax return, the software will reconcile the amount of income you earned against the amount of tax withheld to determine if you owe more or if you get a refund.

What SSN do you see on page one of your Form 1040?   What did you enter for your SSN when you entered information into MY INFO?  Has the return been e-filed with the incorrect SSN-- or have you just printed it and not yet filed it?

Someone may have some suggestions for you----but first we need more information.   You say that you "printed" your 2022 return.   What software did you use to prepare that return?   Did you use online software--a couple of years ago-- or did you recently use the desktop download software for 2022?   Did you file the return at all-- or just print it?   When you entered information into MY INFO----what did you enter for your SSN?

Roth IRA accounts are all one Roth IRA account as far as the IRS is concerned. Similarly for IRA accounts (but not 401(k) accounts).   The 5-year clock you are referring to starts Jan 1 of the year you put your first dollar into ANY Roth IRA account, even if you closed that account decades ago. If that occurred for you at least five years ago, and you are older than 59 1/2, there are no five year rules for you to worry about any more.

It seems that you like to make this comment and perhaps didn't read my response to you in another thread where you claim TT is still using 2024 "numbers".   > 2025 software mostly uses the 2024 numbers until AT LEAST the mid-December update   What gave you that idea? What numbers are you talking about? The 2025 tax brackets, deductions, even much of the OBBB changes (including the extended senior deduction) were in the initial public release around the first of November. When I first move estimates into TT, I compare with Dinkytown (where I do estimates prior to TT release) and did not find any discrepancy. I've been using TT for end of the year estimates since the 1990s.   While it is certainly true that the forms aren't finalized or approved by the IRS, and there are certain areas (such as handling complex qualified distributions) that aren't fully functional yet, and of course a few bugs, the assertion that "the numbers" are from 2024 is just wrong. For the most common numbers such as tax brackets and things indexed to inflation, the TY2025 numbers were finalized by the IRS over a year ago.

I was trying to figure this out myself.   It appears that 7(b)(2) "Refigured total income tax deduction" is the what the total deduction from the previous year would have been if the refunded amount had never been payed in the first place.  For example, if you payed $1000 and were refunded $400, then figure the previous year's deductions as if had you only payed $600 in the first place.  Because of the SALT cap, the result may or may not be less than the original deduction, and may be less by an amount less than the refund.  

Called Intuit support yesterday.  After a lot of trial and error we found that the problem was with Webroot Anywhere antivirus program.   If I suspend Webroot, Turbotax 2025 runs.   Once I activate Webroot, the problem returns.  I tried to have Webroot allow Turbotax but no luck. Contacted Geek Squad and they were unsuccessful.   I have switched to Fortect Security Suite and Turbotax works.   I will contact Webroot to see if they have a work around.  It would have been nice if Turbotax had a log to help identify problems.