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There may have been program updates made after you filed. When your software updates, it will pull in the changes. Check your forms for accuracy before filing. Mortgage interest calculations on mortgages with balances over $750,000 require an extra look.   Reference: About Publication 936, Home Mortgage Interest Deduction

Yes, tech constantly changes and evolves.  Difference in perspectives comes as the result of riding/surfing the waves or just watching form the beach in some nice shades.  One must distinguish hype from reality & necessity.  Btw, I know (at least 95% certainty, a bit conservative) what a software, TT in question here, can and should do (better). 

I do not see the intuit account in the lower left hand corner. In turbo tax I can see manage my account and when I follow those steps it never ask for a password and it doesn’t update my email so I’m not in the right place. 

When the IRS or a state tax agency mentions a "Health Trust Fund" in the context of a delayed return, they are usually referring to one of two very different things.To help you figure out which one is stalling your approval, check which of these scenarios fits your situation:   1. The "Trust Fund Recovery Penalty" (Most Likely if you own a business) If you are self-employed or own a small business with employees, the IRS uses the term "Trust Fund Taxes" to describe the income tax, Social Security, and Medicare you withhold from your employees' paychecks. They call it a "trust fund" because you are holding that money in trust for the government.   The Problem: If the IRS believes these weren't paid in full, they can "flag" your personal tax return and hold your refund to cover the debt.   What to do: Look for a Notice CP15 or Letter 1153. You will likely need to provide proof of payroll deposits or file a protest if you think they have the numbers wrong.     2. State-Specific Health Mandates (e.g., Massachusetts or California) Some states (most notably Massachusetts with its "Health Safety Net Trust Fund") require you to prove you had health insurance.   The Problem: If you didn't attach the correct form (like Schedule HC in MA or Form 3853 in CA), the state will stop your return because they think you owe a penalty for not having insurance.   What to do: Check if you received a 1095-B, 1095-C, or a state-specific form (like the MA 1099-HC). You may need to file an amended return or a "missing information" response to prove you were covered.   3. Health Savings Account (HSA) Issues Sometimes, people accidentally refer to their HSA as a "health trust."   The Problem: If you took money out of an HSA but didn't file Form 8889, the IRS sees that "trust" distribution as taxable income, which causes a mismatch in your filing.   What to do: Ensure Form 8889 was included with your Form 1040.   How to get it moving:   Check your mail: The IRS or state agency always sends a letter explaining exactly why the return isn't approved. Verify your "Responsible Person" status: If this is related to a business, are you listed as the person responsible for payroll? Check your state forms: Did you live in a state with a health insurance mandate last year?  

If you purchased materials used in merchandise that you later sold, you may report this cost as Supplies under Expenses for your Schedule C business.  Or you can choose Other Expenses and enter a custom description.   In TurboTax Online, go to Schedule C and choose "Add more expense categories."

Maybe. The IRS has a test to determine if repair or improvement. A repair is expensed at once while an improvement is spread out. Two improvements that may apply to you: Betterment - does it make the property better Restoration - replacing a major structural component or fixing a long term period of decay. Depreciation: Residential rental -27.5 years Commercial property - 39 years Land improvement can be classified as a 15 year property within the rules See Pub 946

Very interesting. I have stopped buying T notes due to this issue. I don't have access to the Spidell's newsletter, but I don't trust this. Unless it is ruled in the court, it is just an FTB employee's opinion. I was once audited by FTB and it was clear that the employee in charge of the audit didn't understand FTB's tax code. I appealed the audit and won.    Another way to look at this is that Treasury mutual funds/ETFs also produce income, but that income is not taxable by CA. This FTB employee can argue that ETF dividend is also not paid by the US Treasury and hence taxable. I'm sure that these funds/ETFs incur cap gain when they sell underlying Treasury notes and bills, but they pass those as dividends.

Maybe. The IRS has a test to determine if repair or improvement. A repair is expensed at once while an improvement is spread out. Two improvements that may apply to you: Betterment - does it make the property better Restoration - replacing a major structural component or fixing a long term period of decay. Depreciation: Residential rental -27.5 years Commercial property - 39 years Land improvement can be classified as a 15 year property within the rules See Pub 946

The confusion usually stems from the fact that Publication 590-A (which you mentioned) actually covers IRAs, whereas Solo 401(k)s are governed by the rules for "Qualified Plans" (found in Publication 560 and IRC Section 402(g)).   Fidelity mentioned Publication 590, but for a Solo 401(k), the relevant authority is actually IRS Publication 560 (Retirement Plans for Small Business) and Section 402(g) of the Internal Revenue Code. IRS Publication 560, Chapter 4 (Electronic Version): "You must include the excess deferral in your income for the year of the deferral... If you take out the excess deferral by April 15, the excess is taxed only in the year contributed. The [earnings] are taxed in the year they are distributed." Because you made the contribution in 2025 and took the distribution in 2025 (the same year), Code 8 tells the IRS to count the whole thing as 2025 income.   The core issue is that 401(k) contributions are "pre-tax" because they are excluded from your gross income when you first make them. If you contribute $5,000 to a Solo 401(k), you typically don't pay tax on that $5,000 in the year you earned it.   When you realize it was an "excess contribution" and take it back out, the IRS treats that money as if it were never contributed in the first place. Therefore, it must be added back to your taxable income for the year it was earned.     I know this contradicts my earlier advice but it does make sense how this was handled. Fidelity is correct.