You both may have forms included in your return that have not been finalized yet. The IRS is not accepting e-filed tax returns until Feb 12th. Once you send the tax return, it will move to 'pending' and you won't have access until the IRS takes action next month. So, do not be in a rush to get your tax return submitted early as it can only cause a problem (you can't make changes while its in a pending status) and won't help to get it processed any sooner. @ssonimac
The IRS is still finalizing some of their forms and because states depend on the information in the federal return, they often have a delay in some forms at the beginning of the tax season.
Here is a link where you can see estimates for dates the federal forms will be ready.
IRS Forms Available Estimates
For state forms, select the type of TurboTax you are using and your state, to see when forms are expected. The dates may still change and this link will be updated.
State Tax Forms Availability Dates
It say one more step but it say you’re so close ?a few click left and it say 85%
When completing it, does it show what is left? Also are you filing from the online version or desktop?
It's possible the forms needed to complete your return are not yet available. Please see this Turbo Tax FAQ on the availability of IRS forms.
Federal Individual Form Availability
State forms availability table for TurboTax individual (personal) tax products