So to confirm, credit for "health" stuff is limited to health and life insurance and would not apply to a hospital bill that you paid out of pocket. Correct?
As far as "cash" in a brokerage account on Dec. 31. 2023, I'm not convinced this is settled yet.
Why?
Because it's almost never just cash. It's usually cash in some kind of investment vehicle such as an interest paying money market fund.
So this might be a lost in translation type thing when communicating with TRD.
It's not an issue for me but if it was I'm guessing it wouldn't be super risky to claim that the same as cash in the bank and if audited you could at least show that your understanding was that it was cash. Unless you're talking really big money I doubt that would become a punitive type of situation. But up to you.
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