In the past I have always had very simple returns and have utilized the free edition of turbotax. As I was inputting my W2s for 2024, I noticed for the first time that my refund was significantly lower and showed that my refund is lower because I "owe" approximately 3k due to Social Security not being withheld at my previous job. My previous job contributes a portion of employee earnings to an approved “Safe Harbor” plan and are exempted from participating in Social Security and instead had a mandatory 6.2% contribution from my pay to the 401a program.
I'm wondering if, since this is a new situation for me, do I need to utilize the Deluxe turbotax program now since I received a form 1099-R in addition to my regular W2s?