> If that went unreported when I filed, I suppose TurboTax may have assumed that I didn't get it and listed that as an expected refund because of that. could that explain it?

Yes

You tried to claim the 3rd stimulus payment of $1,400 on your return, and the IRS thinks you're not eligible, thus removing the credit

Did you receive the third stimulus payment in 2021?

Take a look at your 2021 tax transcript as well

https://www.irs.gov/individuals/get-transcript

You'll owe income taxes on any growth on the after-tax contributions when they're converted to Roth - converting it immediately after contribution is preferred

My plan requires you to mail or fax a form, and I only make after-tax contributions in the back half of the year, so I typically only do the conversion 2-3 times a year a few months apart to avoid the hassle, gains are typically minimal for that short of a time frame (though immediate conversion with zero gains is more ideal)

Confused about your option 1 though - are you referring to leaving it in the after-tax 401k, or are you saying auto converting it to Roth 401k?

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If you have a reason to use it then great, otherwise as you noted it’s use it or lose it

Is your wife’s plan an HDHP?

You can’t contribute to an HSA if you’re also covered by a nonHDHP

Again - if you don't agree with what people are saying that's fine but there are plenty of ways you could respond with your input and keep it civil - using harsh language and insults is not acceptable. Do you agree to follow the rules going forward?

Disrespectful comments and personal attacks are not acceptable here. People are giving feedback based on the information you provided. If you don't agree with it that's fine but keep discussion civil or move on.