Here are some things you may try to get the waiver state statement on your return.
- Click the Forms icon in the top right.
- On the left-hand sidebar, find and open Form 5329-T.
- Scroll down to Part IX (Exemption from Tax on Excess Accumulation).
- In the Waiver of Tax Smart Worksheet (the box right above Line 54), look for a small button or text that says "Explanation."
- QuickZoom: Double-click that button. It will open a separate, full-page worksheet titled "Explanation Statement."Type your waiver explanation here. On Mac, data entered into these sub-worksheets is much more likely to save than text typed into the "Smart Worksheet" boxes on the main form.
Macs have a security feature that can prevent TurboTax from "writing" new data to your tax file if it doesn't have proper permissions, which often causes the "Not Saving" error.
- Close TurboTax.
- Go to the Apple Menu > System Settings > Privacy & Security.
- Select Full Disk Access.
- Find TurboTax 2025 in the list and toggle it ON. (If it’s not there, click the + and add it from your Applications folder).
- Relaunch TurboTax and try entering the waiver again.
If you didn't receive a 1099-R for the missed RMD (because you didn't take it yet), TurboTax's internal logic often "breaks" the 5329.
- The Fix: Some users have successfully cleared the error by creating a "dummy" 1099-R with $0 in all boxes except for a small note in the description, then answering the "I missed my RMD" questions in the Step-by-Step interview. This forces the interview to "lock in" the 5329 and its associated explanation.
If you reach the e-file stage and the error persists, the IRS instructions for Form 5329 state that you can attach a separate statement of explanation.
- If the software won't let you e-file because of this error, you may have to Print and Mail your return.
- Attach a physical letter explaining the "Reasonable Cause" for the missed RMD and the corrective action taken.
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