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Make sure that in the HSA section you have not entered the code-W amount as personal contributions.  Amounts reported with code W are considered to be employer contributions, even when made by payroll deduction.  Enter amounts shown in box 12 of your W-2 only in box 12 of TurboTax's W-2 form, nowhere else in TurboTax.

You say "I do not qualify for AOTC or LLC" and your wife is claiming him as a dependent. People filing MFS are automatically disqualified from claiming a tuition credit.  But, if you lived apart the entire 2nd half of 2025, she may qualify to file as Head of Household and, if her income is not too high, qualify for the AOTC.   Diverting some tuition to her return for the AOTC, would make some of the 1099-Q distribution taxable on you or your son's return. Since he has no other income, there may be very little tax.  Better yet, making some of his scholarship taxable would result in no tax (see below and/or "5 points on 1098-T" link for  explanations). _______________________________________________________________________________________________ Qualified Tuition Plans  (QTP 529 Plans) Distributions General Discussion It’s complicated. For 529 plans, there is an “owner” (usually the parent), and a “beneficiary” (usually the student dependent). The "recipient" of the distribution can be either the owner or the beneficiary depending on who the money was sent to. When the money goes directly from the Qualified Tuition Plan (QTP) to the school, the student is the "recipient". The distribution will be reported on IRS form 1099-Q.  The 1099-Q gets reported on the recipient's return.** The recipient's name & SS# will be on the 1099-Q. Even though the 1099-Q is going on the student's return, the 1098-T should go on the parent's return, so you can claim the education credit. You can do this because he is your dependent. You can and should claim the tuition credit before claiming the 529 plan earnings exclusion (unless your income is too high).  The American Opportunity Credit (AOC or AOTC) is 100% of the first $2000 of tuition and 25% of the next $2000 ($2500 maximum credit). The educational expenses he claims for the 1099-Q should be reduced by the amount of educational expenses you claim for the credit. Room and board (R&B) are also qualified expenses for the 529 distribution, but not the AOC (R&B are also not qualified expenses for a scholarship to be tax free). But be aware, you can not double dip. You cannot count the same tuition money, for the tuition credit,  that gets him an exclusion from the taxability of the earnings (interest) on the 529 plan. Since the credit is more generous; use as much of the tuition as is needed for the credit and the rest for the interest exclusion. Another special rule allows you to claim the tuition credit regardless of whose money was used to pay the tuition. In addition, there is another rule that says the 10% penalty is waived if he was unable to cover the 529 plan withdrawal with educational expenses either because he got scholarships or the expenses were used (by him or the parents) to claim the credits. He'll have to pay tax on the earnings, at his lower tax rate (subject to the “kiddie tax”), but not the penalty.   Total qualified expenses (including room & board) less amounts paid by scholarship less amounts used to claim the Tuition credit equals the amount you can use to claim the earnings exclusion on the 1099-Q.  Example:   $10,000 in educational expenses (including room & board)    -$3000 paid by tax free scholarship***    -$4000 used to claim the American Opportunity credit  =$3000 Can be used against the 1099-Q (on the recipient’s return)   Box 1 of the 1099-Q is $5000 Box 2 is $2800 3000/5000=60% of the distribution is qualified, so 40% of the earnings are taxable 40% x 2800= $1120 There is  $1120 of taxable income (on the recipient’s return)   **Alternatively; you can just not report the 1099-Q, at all, if your student-beneficiary has sufficient educational expenses, including room & board (even if he lives at home) to cover the distribution. You would still have to do the math to see if there were enough expenses left over for you to claim the tuition credit. Again, you cannot double dip!  When the box 1 amount on form 1099-Q is fully covered by expenses, TurboTax will enter nothing about the 1099-Q on the actual tax forms. But, it will prepare a 1099-Q worksheet for your records, in case of an IRS inquiry. On form 1099-Q, instructions to the recipient reads: "Nontaxable distributions from CESAs and QTPs are not required to be reported on your income tax return. You must determine the taxability of any distribution."  ***Another alternative is have the student report some of his scholarship as taxable income, to free up some expenses for the 1099-Q and/or tuition credit. Most people come out better having the scholarship taxable before the 529 earnings. A student, with no other income, can have up to $15,750 of taxable scholarship (in 2025) and still pay no income tax. 

If you are unable to enter the home office expenses due to a message stating "We have hit a snag," try logging completely out of Turbo Tax, close your browser,  then log back in. Also try clearing your cache and deleting your cookies. This usually resolves looping errors.    If you still experience an issue, come back and let us know.   

If the excess distribution is included on your Form 1099-R, it seems that the 403(b) allows a late rollover under IRS Rev. Proc. 2020-46 self-certification that the rollover of this amount would qualify for a waiver of the 60-day rollover deadline due to financial-institution error.  Under these circumstances, you would report on your tax return that the redeposited amount was rolled over.  If this was a related to the distribution of an RMD, when TurboTax asks how much was RMD, indicate only the amount of the actual RMD.  (The portion distributed in excess of your actual RMD was not an RMD.)

IRS Form 5329, "Additional Taxes on Qualified Retirement Plans," is used to report early withdrawals, excess contributions, and missed required minimum distributions (RMDs) from IRAs or retirement plans.   If you don't have any of these conditions, you won't need it. Return to the IRA/401(k) distribution section (1099-R) and be sure you answered "Yes" to "Did you take your Required Minimum Distribution?".  

It appears that you have been mistakenly entering as charitable deductions under Deductions & Credits amounts that you have also reported as being QCDs.  You must enter the contribution only as one or the other, not both.  Go back through Deductions & Credits and remove the entry that you made there.   In past years this entry error did not matter because the total on Schedule A was not enough for you to itemize instead of using the standard deduction.  However, in 2025 when you have enough on Schedule A to itemize, mistakenly entering the QCD under Deductions & Credits is causing the your contribution to be double-counted.

If you are filing as Married Filing Separately you are not eligible for the deduction.  If you are Single and your AGI is over $175,000 or Married Filing Jointly and your AGI is over $250,000 you are not eligible for the deduction.   If you are age 65 or older and meet the requirement, the additional deduction is automatically added on your federal tax return.   Standard deductions for 2025 Single - $15.750 add $2,000 if age 65 or older Married Filing Separately - $15,750 add $1,600 if age 65 or older Married Filing Jointly - $31,500 add $1,600 for each spouse age 65 or older Head of Household - $23,625 add $2,000 if age 65 or older   New Bonus Standard Deduction (OBBB): An additional $6,000 deduction for taxpayers 65 and older. This is per eligible individual, meaning a married couple both over 65 could get $12,000. Important: This bonus deduction is temporary, lasting from 2025 through 2028. Income limitations: It phases out for taxpayers with modified adjusted gross income over $75,000 for single filers and $150,000 for joint filers. The amount is calculated on Schedule 1-A, Part V, with that amount flowing to Form 1040 Line 13b Look at your Form 1040 - You can view your Form 1040 plus Schedules 1, 2 and 3 at any time using the online editions. Click on Tax Tools on the left side of the online program screen. Click on Tools. Click on View Tax Summary. Click on Preview my 1040 on the left side of the screen.

If you didn't have any earned income, the entire $8,000 contribution should be in excess.     IRA contributions require Earned Income equal to or greater than your total contributions. The IRS guidelines state IRA contribution income guidelines.  

Yes.  This is normal.  When entering the information into TurboTax, the 1099-INT goes to Schedule B.  On Schedule B, there is a smart worksheet that asks for the Payer but not the TIN or EIN.  When you report this information, the IRS already has the form received, and it links to your SSN.  So, when they receive your return, they will match the information they have that has been sent to them with the numbers you entered on your return.  When the payers name is the Treasury Direct, the IRS already knows this payment is coming from the US Treasury Department.  Or if the payer was Chase bank, they would be able to look and say you received a 1099-INT from Chase bank for this amount and this matches what was sent to us so all is good.  The EIN/TIN is not needed.   Additionally, boxes 1 and 3 are the ones that primarily have numbers in them.  However, if you have additional information to enter there is a box you can check that says my form has additional information.  Then a drop down will appear and you can enter any additional details that are on your form.