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When you login, choose Finish & File on the bottom of the list. If you are already logged in and working, this option is on the left of your screen. Any errors will need to be corrected, so you should do the review first.

Would I check "Federal change accepted on" and use the date I check the box for the date? I clicked no for box C because I don't think I filed a federal form 1040X or Form 1045. Is that right? I used "changing from standard deduction to itemized" for box D.  This is my first time amending a return and want to make sure I'm doing it right.

Here is where you can go to find help logging into Credit Karma: How to Access Your Account    There is a "contact us" option at the bottom of the page to contact them if the troubleshooting tips do not help.

I need to retract one earlier statement — TurboTax did handle the 2025 excess correctly from a Form 5329 / excise‑tax standpoint. Apologies for the confusion. One additional data point from the TurboTax Deluxe 2025 (Mac) interview screens: TurboTax explicitly identifies the 2025 excess ($2,429) and asks whether it will be withdrawn by April 15, 2026 to avoid the 6% excise tax, then states: “Great! We’ll remove this amount and the extra tax from your return.” This indicates TurboTax is correctly using that input to eliminate the Form 5329 excise tax for 2025. Below are responses to your questions. First (context for the excess): The HSA excess arose due to retroactive Medicare Part A coverage triggered by claiming Social Security after age 65, which retroactively eliminated HSA eligibility for part of 2024. I mention this only for background; the core issue here is TurboTax’s handling of the excess contributions. Second (2024 excess handling): We did not amend the 2024 return. The 2024 excess HSA contribution (made via employer payroll) was: Added back as additional income on the 2024 return, and Subject to the 6% excise tax, which was paid on Form 5329. The excess contribution itself was withdrawn in September 2025. There was no 2024 Form 1099‑SA with distribution code 2, which is consistent with the withdrawal occurring in 2025. Third (1099‑SA reporting): The HSA custodian issued one 2025 Form 1099‑SA covering both corrective withdrawals. The form does not distinguish which portion relates to which tax year, and I don’t see a place on Form 1099‑SA to make that distinction. This appears to be a custodian‑level reporting limitation rather than an error. Fourth (TurboTax behavior): TurboTax correctly identifies and resolves the 2025 excess, including eliminating the excise tax and taxing only the associated earnings. However, because the total 2025 Form 1099‑SA distribution exceeds the 2025 excess amount, TurboTax appears to treat the remaining portion (relating to the 2024 excess) as taxable income again, even though no 6% excise tax is assessed for that year. TurboTax does correctly tax the excess earnings, which is expected. Fifth (why both excesses were properly withdrawn): 2024 excess — added back as income on the 2024 return, excise tax paid on Form 5329, excess withdrawn in 2025. 2025 excess — withdrawn in December 2025, before the 2025 filing deadline, eliminating the excise tax. TurboTax appears to handle both excise‑tax determinations correctly. The unresolved issue is that the prior‑year excess principal is still flowing into income, even though excess contributions themselves are not inherently taxable — only the associated earnings are.   During the HSA / 1099‑SA interview, I did not see a prompt that allows identification of a prior‑year excess withdrawal, so it’s possible I missed something. If there is a TurboTax‑supported way to address that, I’d appreciate guidance. Thank you so much!

No, you should not keep contributing.After you move to Ireland and no longer earn U.S. W-2 wages, you usually can’t contribute to a U.S. 401(k), especially if you have no plans on returning to the US.   As far as transferring or liquidating, there are several options to consider.   Roll over to an IRA (The "Wait and See" Strategy) Most expats roll their 401(k) into a Traditional IRA. This keeps the money tax-deferred in the U.S. and gives you more control over investments. There is no immediate tax consequence if you do this and the funds will continue to grow with interest.  If you choose this option, you must eventually take distributions (RMDs) starting at age 73. If you cash out now, you will face the 30% withholding (unless reduced by the treaty) plus a 10% early withdrawal penalty if you are under age 59½. Ireland will tax this as income. While you can often use the Foreign Tax Credit to avoid paying the full amount to both countries, you will ultimately pay whichever country has the higher rate (usually Ireland).   You may consider the  "Roth Conversion".  Some people convert their Traditional 401(k) to a Roth IRA while their U.S. income is low (perhaps during the "transition year"). You pay tax now, but the money grows and can be withdrawn tax-free later.    Before you consider this option, you must verify if Ireland recognizes the tax-free status of a Roth IRA (many countries do not).