I faced this exact same issue last year as a freelance graphic designer! What really helped me was creating a systematic approach. First, I went through all my email correspondence with each client - sometimes EINs are hiding in email signatures or footer information that you might have overlooked initially. Another thing that worked was checking any bank deposit records or payment apps like Venmo/PayPal - sometimes the business names there are slightly different but you can cross-reference them with state business databases to find the EIN. If you're still coming up empty, don't stress too much about it. I ended up filing with "EIN UNAVAILABLE" for two clients who completely ghosted me, and the IRS never questioned it. The key is documenting your good faith efforts to obtain the information - I kept screenshots of my unanswered emails and phone call logs. One last tip: if any of these are regular clients you work with annually, this might be a good time to update your contracts to require them to provide their EIN upfront for future tax years. It'll save you this headache next time around!

I just went through this exact situation during my 2024 filing! As someone who works with multiple small contractors, I totally understand the frustration of trying to chase down unresponsive clients for their EINs. Here's what I learned from my tax preparer: You absolutely should report all the income regardless of having the 1099s or EINs - underreporting income is way worse than missing some paperwork details. The IRS has sophisticated matching systems, so if those contractors did file 1099s for you (which they're required to if they paid you $600+), not reporting that income will definitely trigger correspondence. For the EIN issue, I had success with a few approaches: First, check your original service agreements or contracts - I found 3 EINs buried in contract headers that I'd completely forgotten about. Second, look at any invoices you sent them - sometimes they include their tax ID in payment processing details. Third, try searching your email for terms like "tax," "W-9," or "EIN" in conversations with those clients - you might have requested this info before and forgotten. If you still can't locate the EINs after exhausting these options, you can file with the income reported but note "EIN UNAVAILABLE" in the payer information section. Just keep detailed records of your attempts to obtain the information. The IRS understands that independent contractors sometimes face uncooperative payers, and they won't penalize you for missing information that's genuinely unavailable despite your good faith efforts. The key is filing on time with accurate income reporting - you can always file an amended return later if you get the missing 1099s!

This thread has been incredibly helpful! I work as a benefits coordinator and see HSA confusion all the time. One thing I'd add is that many employers offer HSA education sessions or have partnerships with HSA administrators that provide free consultations. If you're really unsure about your specific situation, check if your employer's HR department has resources available. Some companies even provide annual HSA "checkups" where they'll review your spending patterns and help identify any issues before tax season. Also, a quick tip for those tracking purchases manually - most HSA providers send you a year-end summary that categorizes your spending. While you shouldn't rely on this completely (since they can't always determine medical necessity), it's a good starting point for your own review. I always tell employees to cross-reference this summary with their own records and flag anything that seems questionable. The most important thing is being proactive rather than reactive. It's much easier to fix mistakes as you go rather than trying to sort through a year's worth of transactions when you're preparing your taxes!

This whole thread has been eye-opening! I've been using my HSA card pretty carelessly, assuming that if it worked at the store, everything was fine. Now I'm realizing I probably have some cleanup to do before tax season. One question I haven't seen addressed - what about online purchases? Like if I buy medical supplies on Amazon or order prescriptions through an online pharmacy, are those treated the same way as in-store purchases? I'm wondering if the merchant coding works differently for online transactions, or if I need to be extra careful about documentation since there's no physical receipt from a pharmacy counter. Also, for those who mentioned keeping detailed records - do you scan physical receipts or is there a better digital system? I'm trying to figure out the most foolproof way to track everything going forward so I don't end up in this confused state again next year!

This thread has been incredibly informative! I'm in a similar situation - Australian citizen planning to move to the US permanently in about 2 years. One aspect I haven't seen discussed is the impact of currency fluctuations on the tax treatment. Since my super is denominated in AUD but I'll be filing US tax returns in USD, I'm wondering how currency exchange rates affect the calculation of taxable income and basis. For example, if the AUD strengthens significantly between when I become a US resident and when I eventually withdraw from my super, could that create additional taxable "gain" from a US perspective even if the underlying investments haven't actually grown? Also, does anyone know if there are any special rules for reporting currency gains/losses on foreign retirement accounts under the treaty? I'm trying to understand if I need to track exchange rates at specific dates for future tax calculations. The complexity of this whole situation is mind-boggling, but reading everyone's experiences has been really helpful in understanding what I need to prepare for. Thanks to everyone who's shared their knowledge!

I've been dealing with a very similar situation and wanted to add a few practical points that might help. I moved from Australia to the US two years ago and have been navigating the superannuation tax implications ever since. One thing I learned the hard way is that you need to be very careful about how you report your super fund on Form 8938 (FATCA) and Form 3520/3520-A if the IRS treats it as a foreign trust. The reporting thresholds and requirements are different for each form, and the penalties for getting it wrong or filing late are severe. Also, I'd recommend getting a letter from your super fund administrator confirming the tax treatment of your contributions in Australia. When I was preparing my US tax returns, my accountant needed documentation showing which portions of my super were from pre-tax employer contributions, post-tax salary sacrifice, and any after-tax voluntary contributions I'd made. Without this breakdown, the IRS might default to treating everything as pre-tax, which could result in double taxation. One more tip: if you're planning to make any additional voluntary contributions to your super before moving, be very careful about the timing and tax treatment. Contributions made after you become a US tax resident might be treated differently than those made while you were still an Australian resident. The whole process is definitely complex, but with proper planning and documentation, you can navigate it successfully. Good luck with your move!

As someone who's been through this exact situation with my daughter's UTMA account, I can share some practical insights. The tax implications really aren't as scary as they initially seem once you understand the mechanics. One key point that often gets overlooked - you should keep detailed records of all withdrawals and what they were used for. While there's no additional tax penalty for using UTMA funds for education, having documentation helps if there are ever questions about whether the custodian used the funds appropriately for the minor's benefit. Also, timing can matter for tax planning. If your nephew has other income (like a part-time job), you might want to coordinate UTMA withdrawals with his overall tax situation to stay within favorable tax brackets. Since he's 16, he likely has minimal other income, so the standard deduction and lower tax rates could work in your favor. The financial aid impact mentioned by others is real - UTMA assets hit the Expected Family Contribution calculation hard. If you're planning to apply for need-based aid, consider using UTMA funds for expenses in the years before filing FAFSA rather than letting them sit in the account where they'll reduce aid eligibility.

This is such a helpful thread! I'm in a similar situation with my son's UTMA account. One thing I learned from our financial advisor that might help - you can actually time your UTMA withdrawals strategically around the FAFSA timeline to minimize the financial aid impact. The FAFSA looks at your financial snapshot as of the day you file, so if you use UTMA funds to pay for qualified education expenses (like a semester's tuition) right before filing, those funds won't count as student assets on the application. This can potentially increase your aid eligibility significantly since student assets are assessed at 20% vs parent assets at around 5.6%. Also, keep in mind that starting with the 2024-25 academic year, the FAFSA uses tax information from two years prior (called "prior-prior year"). So for a student starting college in fall 2025, you'd use 2023 tax information. This gives you even more planning opportunities since you can see exactly what income levels will be reported before making withdrawal decisions. The key is coordination between the timing of withdrawals, when expenses are actually paid, and when you file the FAFSA. It's definitely worth running some scenarios to see how different approaches affect your overall financial aid picture.

Has anyone had success filing Form 8919 without having an official determination from the IRS or DOL? My employer is clearly treating me as an employee (sets my hours, provides equipment, etc.) but refuses to classify me properly, and I can't wait months for an official determination before filing.

Just to clarify something important - Form 8919 doesn't eliminate your tax liability. You still owe the income tax on all those earnings. What Form 8919 does is ensure you're only paying the employee portion of Social Security and Medicare taxes (7.65%) rather than the full self-employment tax rate (15.3%). For someone in your tax bracket, you should probably be setting aside around 15% for federal income tax PLUS the 7.65% for Social Security/Medicare. So that 20% your mom suggested might actually be a bit low depending on your total annual income. I'd recommend using the IRS Tax Withholding Estimator tool to get a more precise figure based on your specific situation.