This is how you remove the retirement contribution credit.
If you do not want to take the Retirement Savings Contribution Credit, you will have to tell TurboTax that you were a full-time student in 2018. If you have 401K contributions on your W-2 or any IRA contributions, TurboTax knows you qualify for the credit which is reported on Schedule 3 and requires an upgrade to Deluxe.
To get around this, you can tell TurboTax that you were a student. Being a student will disqualify you for the credit and TurboTax will not force you to upgrade. But you won't get the credit either. To do this:
Go back to the Retirement Savings Contribution Credit interview and answer YES to 'Did you make contributions in 2018?' and 'Were you a full-time student?' questions. You do not qualify for the credit if you were a full-time student in 2018. And if you don't qualify, TurboTax will remove the credit. To get back there, go to Deductions & Credits or type ''saver's credit'' into the search bar, and use the Jump To link.
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