Hi. I created an account simply to post here and say, as someone in the same situation, that I found all the info shared here - even from @qbteachmt - incredibly helpful, and much more useful than SSA and IRS websites or being on the phone with them for hours (which I've done). Especially user @Flamingo340. I'm glad Intuit has an open forum like this, and I'm now more inclined to sign up as a customer (over, say, H&R Block) and continue using its forums. Good job, Intuit!