So, my understanding is that it takes 10 confirmations to get the XMR balance unlocked in the wallet. I my deposited XMR from an exchange to my XMR wallet over 48 hours ago and I am at 4/10 confirmations. Therefore I still cannot spend or access my XMR coins. Why did I not get all 10 confirmations and more importantly how to get them moving so I can spend my coins?
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It takes 10 confirmations to be able to spend your received XMR. If you are stuck at only 4 confirmations after 48 hours your node is not synchronized to the network.
If you're using a remote node, use a different one. If you're using your own node, check the logs.
Also see this Q/A (which answers a very similar problem and for which the same steps can be followed in your case).

jtgrassie
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I followed all the steps under "The following assumes you're using a remote node" and my wallet is still not Synching. I have also tried switches to multiple different remote nodes. Checking the logs show the most up to date Height number. I am also having issues closing the wallet from GUI. It gets stuck at closing and I have to kill the app and monerod.exe everytime I need to close the wallet. – r2defi Sep 29 '21 at 06:16
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I also just noticed that the link above has notes from 4 years ago. Any chance you can update them with the updated steps? – r2defi Sep 29 '21 at 13:46
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@r2defi it was last updated this year and is still relevant. – jtgrassie Sep 29 '21 at 17:53