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@jtritt wrote: Meaning  the updates are completed in the west coast time zone?  Thanks for the information Well, typically they're released in the afternoon, often later in the afternoon and occasionally early evening, east coast time.

It depends.  The types of income you need to report on your Federal Return determine the level of TurboTax that you will need.  Reporting sales of real estate - whether they are your primary residence, a rental property, or investment property - will typically require TurboTax Premium.  Any state return will be able to be prepared based on which Federal version of the program is used.   However you can start in TurboTax Deluxe, and the program will alert you if you need to upgrade to TurboTax Premium.   The TurboTax link TurboTax Versions and Forms included can be useful to determine which version of TurboTax is needed.        

I suggest you run the Federal Review and answer all of the questions.   This will typically clear the error messages from your return. Log into TurboTax On the left side bar  Under Federal Selects Federal REVIEW Check my info Continue through a few screens to Let's take care of these details now The software will list every area that has missing data. The error message will be cleared if you complete all of the questions in the review

Tip income must first be claimed as income before any tip income can be claimed as an Additional Deduction. Tip income does not include “Automatic Gratuities” or other service charges. The Taxpayer must have a Social Security Number which is valid for employment. The maximum annual “No Tax on Tips Deduction” is limited to $12,500 per return ($25,000 for Married Filing Jointly returns), however, the Tip Deduction is NOT available to Taxpayers filing Married Filing Separately. The deduction phases out (becomes smaller) if your Modified Adjusted Gross Income is over $150,000 ($300,000 for Joint Filers).   If you are a W-2 employee, your tip income must first be reported as income on Form W-2, Form 4070, and/or Form 4137.   Reporting tips to your employer is done using Form 4070 and your employer’s payroll department then handles reporting that income on your W-2. They also handle the tax, including any FICA tax (including Social Security Tax) due.  Tips you reported to your employer on Form 4070 will be included on your W-2 Box 1.   Your employer should report the tip portion of your income on your W-2; however because the bill was signed in July 2025, IRS forms and employers were not prepared to make this type of reporting; therefore, the IRS has granted that the requirement be implemented starting Tax Year 2026. You should always keep a separate tip log when you receive tips and keep that log with your tax file.   Tips reported in Box 7 on Form W-2 are Social Security Tips.  An employer may take a credit for the portion of Social Security tax they paid on that portion of the employee’s tips. For Tax Year 2025, your total tip income may, or may not, be listed on your W-2 box 7.  Form W-2  will be updated for Tax Year 2026, and 2026 tips should then be listed properly on your W-2; however, for Tax Year 2025, the amount listed in Box 7 of your W-2 might not be the full amount of tips you can report as an Additional Deduction if you are a “High Earner” or if not all your tips were reported to your employer.   After you enter your W-2 into the TurboTax program, the program will recognize the amount in Box 7 as tips you reported to your employer and continue to ask questions to determine if those tips are eligible for the Additional Deduction. IF YOU WERE A HIGH EARNER in 2025, the program will ask if the amount of tip income needs to be adjusted. This is because as a High Earner, you may have reached the income limit ($176,100) for social security tax before you stopped receiving tips and therefore the amount of tips you earned may be larger than the amount reported in Box 7.  This should only be the case if you reached $176,100 in 2025 and your W-2 Box 1 reflects that income. (For example, in 2025 the taxpayer earned and reported to his employer $15,000 in tips when he hit an income of $176,100 in September. He continued to earn another $18,900 in wages and also earned and reported to his employer $5,000 more in tips. His total income earned is $200,000, of which $20,000 were tips. His full income of $200,000 is listed in Box 1 on his W-2, but only $15,000 is listed on his W-2 Box 7 because that was the amount of tips that were subject to Social Security Tax. Box 7 only shows $15,000 which is when the employer stopped matching the Social Security portion of the employer’s FICA tax.)  In this case, the TurboTax screen that asks for the adjustment is after you enter the W-2 and after the screen asking for uncommon situations. Tip income you received but did not report to your employer is reported to the IRS by you using Form 4137. Form 4137 is included with your tax return and the additional income is then added to your Adjusted Gross Income and also reported to the Social Security Administration ensuring that your full income is credited to your Social Security Account. Tip income you did not report to your employer must be reported on Form 4137. To do that in TurboTax, select “Unreported Tips” on the “Uncommon Situation” screen which appears after entering your W-2.   As far as the Additional Deduction for OVERTIME- some BUT NOT ALL Employers are using W-2 Box 14 to report Overtime, but for tax year 2025 please enter the amount also on the "Uncommon Situation" screen that follows the W-2 entry screen. Next season, for Tax Year 2026, there will no doubt be a Box 14 code for Overtime, but for Tax Year 2025 that is NOT the case.      @naazihmitchell  @ljuban-cickovic  @ItsHyphy    Do you meet the tip requirements? Are you a High Earner? Do you have a valid Social Security Number? Can you explain in more detail the problem you are facing with the “No Tax on Tips” issue?   

No one in the user forum can provide a service code.   Service codes are issued by customer support for very specific reasons.   SERVICE CODE   https://ttlc.intuit.com/community/charges-and-fees/help/what-is-a-service-code/00/25646  

@MinhT1 wrote: You said that your HSA funds were rolled over. Were they rolled over to another HSA account toto a normal savings plan?   I think the taxpayer meant they were allowed to keep the funds, they did not expire like an FSA.    If you have money in an HSA, you are allowed to spend it tax-free for medical expenses even if you are no longer eligible to contribute new funds.   However, if the funds were withdrawn from the HSA and put in a different account, then all tax-free protection is lost, and any funds not used for qualified medical expenses are subject to tax and a penalty.

You said that your HSA funds were rolled over. Were they rolled over to another HSA account toto a normal savings plan?   If they were rolled over to a savings plan (not a HSA account),then the amount rolled over should taxed (plus a 20% penalty) at the time of transfer   If they were rolled to another HSA account, then even if you no longer have HDHP heath plan and no longer contribute to your HSA, you can still use your HSA to pay for qualified medical expenses tax free. When entering your form 1099-SA, make sure to also enter the medical expenses paid with the HSA funds, and there will no tax on the amount.

@IanSt wrote: Bunch of misinformation here, as usual.  As a private mortgage lender you CAN easily issue a 1098 if you so choose or if your borrower really wants one to support their mortgage interest deduction.  Here is the location of the form from the IRS:  https://www.irs.gov/pub/irs-pdf/f1098.pdf  Be sure to only file the black and white copy, not the red "informational" copy.     Yes, and no.   Yes, a private lender may issue a 1098, but it is not required.   No, you can't use the online form at all.  Printing and filing the online copy A will result in a penalty to the filer, it says so right on the instructions.  The PDF online is an example only.   The IRS wants you to e-file 1098 and 1099 forms.  There are a number of online providers that offer this service.  If you want to file a paper 1098, you must purchase the official forms from an office supply store -- they are carbonless multi-part forms that you fill out in pen or with a typewriter, and mail one copy to the IRS and a copy to the borrower.  You must also file a 1096 summary form to the IRS that summarizes all the 1099s and 1098s that you filed.