How do I file my late taxes? it is Nov 4th. There is no free option and it expects me to pay out of pocket rather than taking expenses from my return?

[Opus 17]

That is correct. Free filing is only available when you e-file, and the option to have your fees deducted from your refund is also only available if you e-file. E-file closed October 15. You will need to purchase a copy of TurboTax as a download or on a CD to install on your own computer. You can use a credit or debit card, or possibly cash, if you can still find a store like Staples or OfficeMax that has a copy of last year’s tax CD in a back room.

[VolvoGirl]

2019 is now the prior year.  How to prepare a prior year return

https://ttlc.intuit.com/community/using-turbotax/help/how-do-i-prepare-a-prior-year-tax-return/00/25...

Or how to finish a return you started online

https://ttlc.intuit.com/community/prior-year-return/help/how-do-i-finish-a-prior-year-return-that-i-...

To do a prior year return you have to buy the Desktop program here,

https://turbotax.intuit.com/personal-taxes/past-years-products/

You will need a full Windows or Mac to install it on.

If you want to file for free you can fill out the forms by hand.  Here are some basic forms.....

Here is the 2019 1040 return

https://www.irs.gov/pub/irs-pdf/f1040.pdf

or if you want bigger type use 1040SR for Seniors,

https://www.irs.gov/pub/irs-pdf/f1040s.pdf

2019 Instructions https://www.irs.gov/pub/irs-pdf/i1040gi.pdf

2019 EIC and Tax Tables  https://www.irs.gov/pub/irs-pdf/i1040tt.pdf

2019 Schedules 1-3

https://www.irs.gov/pub/irs-pdf/f1040s1.pdf

https://www.irs.gov/pub/irs-pdf/f1040s2.pdf

https://www.irs.gov/pub/irs-pdf/f1040s3.pdf

Don’t forget your state.  And you will have to print and mail your returns.  So be sure to attach copies of your W2s and any 1099s that have withholding on them.  You have to mail federal and state in separate envelopes because they go to different places.  Get a tracking number from the post office when you mail them for proof of filing.