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@mmagan Same place you used when you entered your winnings---you just have to keep going through those screens after winnings are entered.       Go to Federal>Wages & Income>Less Common Income>Gambling Winnings You can enter your winnings, and then keep clicking through the interview to enter gambling losses.

That sounds like as good a workaround as the one I used, where I went into the forms view and changed numbers for my two accounts.  But it shouldn't take hours of scratching my head to figure out why TurboTax is saying I owe a penalty for not taking my entire RMD when I know I did take it.   I don't see why TurboTax can't compute the RMD I owe -- It knows my birthday and how much I had in my IRAs at the end of last year. (That's in the 1099Rs) But if there is a reason it can't calculate my RMD, then it should just say so and ask, "What is your RMD?" with an explanation that the RMD is based on your total Trad and Rollover IRA assets and the IRS's life expectancy tables.   I emphasized the word "total" above because I think the source of the confusion here is that TurboTax talks about a RMD for each Trad/Rollover IRA account, when, in reality, there is only one RMD for all your accounts.  (Of course, if you are filing jointly, you and your spouse each have your own RMD.)  

Since box 2(b) is checked, meaning the pension administrator has not determined the taxability of the distribution, it is up to you to make that determination. There is no requirement that you document the reason for that determination on your tax return, so entering the taxable amount in box 2(a) is allowed without further entries.  You just need to keep supporting documentation in your files in case of an audit.   You can review this TurboTax article to learn more.

The IRS does not use the word "accepted".    They say it was "received".     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 2025 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         If you are getting earned income credit on line 27 or additional child tax credit on line 28 You are subject to the delay required by the PATH act.  Do not expect your refund before early March   https://ttlc.intuit.com/turbotax-support/en-us/help-article/internal-revenue-service/federal-refunds-delayed-due-path-act/L5jnQJsBi_US_en_US   Note:  “Accepted” is not the same as “approved”.  TurboTax tells you the e-file was accepted if the IRS deems that there is enough information on the return for them to take it in for processing.   Only the IRS can approve of the refund, which is a later stage of processing.  If the IRS approves your refund they will provide a date for the refund to be issued.   FROM THE IRS WHERE’S MY REFUND SITE: https://www.irs.gov/wheres-my-refund How it works Where's My Refund shows your refund status: Return Received – We received your return and are processing it. Refund Approved – We approved your refund and are preparing to issue it by the date shown. Refund Sent – We sent the refund to your bank or to you in the mail. It may take 5 days for it to show in your bank account or several weeks for your check to arrive in the mail.    

In TurboTax Online, follow these steps to report the Military retirement 1099-R:   Down the left side of the screen, click on Federal. Down the left side of the screen, click on Wages & income. Scroll down to Retirement Plans Social Security.  Click the down arrow to the right. Click to the right of IRA 401K Pension Plan Withdrawals. At the screen Did you get a 1099-R in 2025?, select Yes. At the screen Choose all the situations that apply to you, make selection and Continue. You will be given options:       to connect with your financial accounts,       to upload your form, or       type it in myself.  See also this TurboTax Help.   In TurboTax Online, in the Alabama state income tax return, at the screen About Your Retirement Distributions, I answered questions about military retirement pay and I was able to exclude Military retirement pay.   The Alabama Department of Revenue explains the exclusion here.   Military retirement pay is listed as Income Exempt From Alabama Income Taxation.    

Thanks for your detailed response, but I still don't know where to enter my losses. How do I navigate to the correct screen to enter the losses?  There is no obvious button/menu option that says  ENTER GAMBLING LOSSES.   The only thing I can find is to navigate to Deductions and Credits --> Other Deductible Expenses -->    Any help you can provide is greatly appreciated.    

Yes.  If you are delivering for Wal-Mart or a Spark driver, then you would be considered self-employed and this is considered business income which gets reported on Schedule C. You can use TurboTax Home and Business Desktop or TurboTax Premium Online to report the income and claim expenses.    To enter your self-employment income select the following: Federal Income and Expenses Show More next to Self-Employment Start next to Self-Employment Yes, to you have any self-employment income or expenses Enter the type of self-employment work you do and you can select that you use your name for your business Click through a few more screens and you will get to a screen that says "Your XX info" Click Looks good Then you will come to a screen that says Let's enter the income for your business.  It will give you the option of 1099-NEC or Other self-employed income including the 1099K , cash and checks.  If you do not select one, it will not let you enter your income Enter your self-employment income on the next screen Continue and on the next screen click add expenses * Please note navigation may differ slightly depending on which version of TurboTax you are using* The income and expenses as an independent contractor  will be reported on Schedule C which is part of your overall tax return. This also means you will be subject to the 15.3% SE Tax.  If you did not pay Self Employment (SE) Taxes in 2025, and if you plan to do this again in 2026, it may be a good idea to make estimated quarterly payments to avoid penalties. Taking Business Expense Deductions  

There may be expenses for your work on the follow through to obtain the unclaimed income. Examples of that could be mileage, postage, or any other actual expense you had to accomplish receipt of the income. Example of expenses that can be used: Court costs Accountants' fees,  Appraisers' fees, etc.  Cost of storing or maintaining property, including documentation of actions.   Simply adding your labor as a cost would not be sufficient as a deductible expense, however if you tie it to the details required to accomplish the results of receiving the income, then the estate can handle the entire return.   Amending a 2020 return would not be my advice since it's beyond the statute. The income was received in 2025. You can attach a statement of explanation for filing another final return in 2025.   If you remain unsure of how you want to handle it you should seek professional assistance for preparation. In this forum we cannot advise the actions you should take as far as distribution.   Beneficiaries receiving income from a trust or estate report that income (usually via Schedule K-1) but cannot deduct their personal labor.    @ron6612 

Thanks, I made an appointment with Turbo tax to go over my return tomorrow. Last year I did not have any problems with Cryptocurrency or stocks, To many tax changes by the Administraton last minute. I am happy I have an expert to help me. I found out some of my forms were not sent to Turbotax. No wonder nothing makes sense : )

1099-NEC is Non-Employee Compensation which means Self-Employment.  It needs to be reported on Schedule C.    If you do not have TurboTax Home & Business or TurboTax Self-Employed, enter under Federal Taxes Wages & Income 1099-MISC and Other Common Income Income from Form 1099-NEC   START or UPDATE  

You will need to amend using a Form 1040X----but that form is not yet available. The Form 1040X is scheduled to be available on March 4.  The date is subject to change, so check on 3-4 to see if it is ready.   Before that, do not change anything at all on your return.  

@DaveF1006 before advising people not to use a substitute 1099-R, you really need to check what state they are in, because some states offer preferential tax treatment for pensions (even foreign ones), that people won't get if they don't classify the income as a pension on the federal return.  If you search this forum, you'll find posts where people in states like New Jersey ran into that issue.  They couldn't report pension income as "other" income without suffering a material increase in their state income tax, because the income had to be on line 5b of the federal return in order to flow to the correct place in the state return.   A quick Google suggests that states with special treatment for pension/retirement income include Georgia, Delaware, Illinois, Iowa, Mississippi, Pennsylvania, Michigan, New Jersey, South Carolina, Virginia, Wisconsin and Utah, so I'd be very cautious about suggesting that anyone from those states enter a pension as "other reportable income".   The substitute 1099-R seems to be the only approach that ensures the correct tax treatment.

It depends. If you are paying the loan back as per agreement and are not in default, then this is not taxable.     If you default on the loan, then it becomes taxable and is treated like a regular 401K withdrawal and is subject to the 10% penalty. Also, if you leave your job and cannot pay the distribution back by the tax deadline, then you would end up getting a 1099-R and needing to include it in your income.    Retirement topics - Plan loans