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Is anyone else getting way more IRS letters this year than before? I never got any for 20 years, and suddenly got 3 different ones in the past few months. One was about the Child Tax Credit payments, one was about some adjustment to my return, and another was about verification. Feel like they're sending out more notices than before?
Yeah, the IRS has definitely been sending more notices the last couple years. Part of it was pandemic related (stimulus payments, Child Tax Credit changes, etc) but they're also doing more automated matching and corrections. I'm a bookkeeper and like 30% of my clients got some kind of notice this year compared to maybe 5% in past years.
Thanks, that makes sense. Just seemed weird to suddenly get a bunch after never hearing from them before. Glad it's not just me! The Child Tax Credit stuff especially was confusing with all the advance payments and changes.
I totally get why you were scared to open it! I had the same reaction when I got my first IRS letter a few years ago. Just seeing that official envelope in the mailbox made my heart race. Most of the time these letters are actually pretty routine - they might be correcting a small math error (which sounds like what happened to you with that CP12!), asking for clarification on something, or even just sending you information about changes to tax law that might affect you. The key thing is to always respond by the deadline if they're asking for something, even if it's just to say you agree with their assessment. And keep copies of everything! I learned that the hard way when I had to reference an old notice months later. Glad it turned out to be good news for you with that extra refund! Sometimes the IRS actually catches mistakes that work in our favor.
Single, no kids, making $67k here. My refunds have been: 2023: $1,470 2024: $1,650 2025 (estimated): $1,400 I contribute 10% to 401k and take standard deduction. My refunds are pretty consistent year to year. I could adjust my W-4 to get less refund/more in paychecks, but honestly I like the forced savings aspect of getting a refund. Keeps me from spending that extra bit each paycheck.
Do you do anything special on your W-4? I make about the same ($69k) with similar 401k but only got back $780 last year. Trying to figure out if I'm doing something wrong.
I don't do anything special on my W-4. I just select "single" filing status and don't claim any additional withholding allowances. The difference might be that I live in a high-tax state (NY), so I get a decent state refund too which might skew my perception of my total refund. Another possibility is that your employer might be withholding differently than mine. Some payroll systems are more accurate than others. If you have any side income or investment dividends, that could also reduce your refund if you're not having enough withheld to cover those additional income sources.
Does anyone else in this bracket owe money instead of getting a refund? I made $73k last year, single no dependents, and ended up owing $850. I have side gig income though (about $4k) which probably explains it, but was surprised since I thought my main job withheld enough.
Thanks, that makes sense. I didn't realize my main job withholding wouldn't automatically cover other income. Do you know how I should calculate how much extra to withhold? Is there some percentage of side income I should be setting aside?
A good rule of thumb is to set aside about 25-30% of your side gig income for taxes (this covers federal, state, and self-employment taxes). So for your $4k side income, you'd want to save around $1,000-1,200. You can either make quarterly estimated payments to the IRS or increase your withholding from your main job by having an extra $80-100 per month taken out. The IRS has a withholding calculator on their website that can help you figure out the exact amount based on your total expected income.
I'm dealing with a similar situation right now! Based on all these responses, it sounds like there are really three main paths: 1) Use a specialized service like taxr.ai that can extract data from your original return PDF and auto-generate the 1040X, 2) Re-enter everything in commercial tax software that supports amendments (like TaxAct), or 3) Fill out the paper forms and mail them in. Given that you only need to add interest income, the automated extraction approach seems most efficient - especially since you already have your accepted return as a PDF. The time investment looks much better than re-entering everything or waiting months for paper processing. Has anyone else used similar automated services for simple amendments like this?
Thanks for the great summary! As someone new to dealing with amended returns, this breakdown is really helpful. I'm curious about the automated extraction services - do they handle the calculations automatically when you add new income? Like if adding interest income changes your AGI and affects other parts of the return, does the system recalculate everything properly, or do you need to double-check the math yourself? Also, for anyone who's used these services, how do they handle the explanation section on the 1040X where you need to describe what changed? Do they auto-populate that based on what documents you upload?
As a tax preparer, I can add some insight to this discussion. For simple amendments like adding missed interest income, the automated extraction services mentioned (like taxr.ai) do handle the cascading calculations properly - when you add interest income, the system will recalculate your AGI, taxable income, and tax liability automatically, just like professional tax software would. Regarding the explanation section on Form 1040X, most of these services do auto-populate basic explanations based on the changes detected. For example, if you're adding a 1099-INT, it might automatically write "Adding previously unreported interest income from [Financial Institution]" in the explanation field, though you can usually customize this. One important tip: make sure you have your original return's AGI handy when using any method, as the IRS uses this to verify your identity during electronic filing. Also, if the missed interest income is substantial enough to trigger additional tax owed, you'll want to include payment to avoid interest and penalties from the original due date. The electronic route is definitely worth the effort over mailing - paper amendments are taking 16-20 weeks to process currently versus 8-12 weeks for electronic submissions.
Does anyone know if I should include my state return in the same envelope as the federal return? TurboTax gave me different addresses for each, but I'm wondering if I can save on postage.
As someone who's helped family members with their first paper filings, I'll add a few practical tips that might save you some headaches: **Before sealing the envelope:** - Make sure you've signed AND dated your return (I've seen people forget the date) - Double-check that your Social Security Number is on every page of your return - If you're married filing jointly, BOTH spouses need to sign **Assembly order I always use:** 1. Form 1040 on top (signed and dated) 2. Any schedules attached behind it (stapled in upper left corner) 3. W-2s and 1099s paper-clipped to the left side (NOT stapled to the return) **One thing that's saved me before:** I always write my SSN lightly in pencil on the back of each W-2. If documents get separated during processing, this helps the IRS match everything back to your return. **Timeline reality check:** Even with tracking, don't expect to see your refund status update online for at least 3-4 weeks. The IRS batch-processes paper returns, so there's an inherent delay before they even start working on individual returns. Good luck with your first filing! The process seems scarier than it actually is.
This is incredibly helpful! I never would have thought to write my SSN on the back of the W-2s - that's such a smart tip in case anything gets separated. One quick question about the assembly order - when you say "schedules attached behind it," do you mean literally any additional forms TurboTax generated? I have a Schedule 1 for some unemployment income I received early in the year. Should that go right behind the 1040 before the W-2s get paper-clipped on? Also, the timeline reality check is good to know. I was hoping to see some movement online within a week or two, but sounds like I need to be way more patient than that!
Keisha Brown
I've been following this thread closely since I'm dealing with a similar situation - my paper return was delivered to the IRS on March 20th and I've been anxiously waiting for updates. Reading everyone's experiences has been incredibly educational and reassuring. What really stands out to me is how misleading that USPS tracking status is. I had no idea that "waiting in PO Box" doesn't actually mean it's still sitting there - just that USPS can't track it once the IRS picks it up. The breakdown of all the internal processing stages that happen before anything shows up in "Where's My Refund" really helps explain the long delays. The professional perspective about 10-14 weeks being normal for Kansas City processing center is sobering but helpful for setting realistic expectations. I'm definitely going to stop checking the IRS website daily and just set up those IRS2Go app alerts that were mentioned. At least I know my certified mail receipt protects my filing date. Thanks to everyone who shared their experiences and advice - this thread should be required reading for anyone who files paper returns!
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Kelsey Hawkins
ā¢@Keisha Brown I completely agree - this thread has been a lifesaver! I was getting so stressed about my return being stuck "when" really it s'just following the normal albeit (frustratingly slow process.) The insight about USPS tracking being misleading after IRS pickup was eye-opening. I had been interpreting waiting "in PO Box literally" and imagining my return just sitting there forgotten. As a newcomer to paper filing, I had no idea what realistic timelines looked like. The 10-14 week expectation from the tax professional really helps me stop panicking at the 3-week mark. I m'also going to stop the daily website checking obsession - clearly that s'just going to drive me crazy for the next several weeks! The IRS2Go app alerts sound like a much healthier approach. It s'so reassuring to know that others are going through the exact same waiting process and that the certified mail receipt really does protect us. Thanks for summarizing everything so well!
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Aisha Mahmood
As someone who just went through this exact situation last month, I wanted to share what finally gave me peace of mind. After reading through all these helpful responses, I realized I was making the same mistake many people do - expecting the IRS to work like a normal business with regular updates and reasonable timelines. The reality is that paper returns disappear into a black hole for months, and that's completely normal right now. My return took 13 weeks from the date I mailed it to actually receiving my refund, with absolutely zero visibility into what was happening for the first 8 weeks. The key insight that helped me was understanding that the IRS operates more like a massive warehouse sorting operation than a modern digital business. Your return goes through multiple physical locations, gets sorted by hand in many cases, and sits in various queues before anyone even looks at it. The technology systems we're used to in other industries just don't exist here. My advice: save that certified mail receipt, set up the IRS2Go app alerts, and then try to forget about it for at least 10 weeks. I know it's hard when you're expecting a refund, but checking daily just creates unnecessary stress. The money will eventually come, and your filing date is protected by that certified mail receipt.
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Evelyn Rivera
ā¢@Aisha Mahmood This is exactly the mindset shift I needed! You re'absolutely right that I was expecting the IRS to operate like a modern digital business when it s'really more like a massive warehouse operation. The image of returns being sorted by hand and sitting in physical queues really helps me understand why there s'zero visibility for months. Your 13-week timeline from mailing to refund is actually reassuring because it gives me a realistic endpoint to expect. I ve'been stressing about week 3 when clearly I should be thinking in terms of quarters, not weeks! The forget "about it for 10 weeks advice" is probably the best thing I can do for my mental health right now. I m'definitely going to save this entire thread for reference and remind myself that this warehouse-like operation is just how the IRS works, not a sign that something went wrong. Thanks for sharing your experience and helping put this all in perspective!
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