I'm going through the exact same thing right now! Still no 1099 from Robinhood and I'm getting pretty anxious about it too. I had a decent amount of trading activity last year - bought and sold several stocks, collected some dividends, and did a few crypto transactions. What's really frustrating is that I called their customer service line twice this week and both times I got stuck in an endless phone tree that eventually just hung up on me. Their chat support keeps giving me generic responses about how forms are "being processed" without any actual timeline. I've been checking the documents section in my app obsessively, but it's still completely empty. At least it's somewhat comforting to know I'm not the only one waiting! Based on what others are saying here, it sounds like late February/early March is pretty normal for Robinhood unfortunately. I'm definitely going to try downloading my monthly statements like some folks suggested so I can at least start organizing everything while I wait. This is definitely making me consider switching to a different broker next year - the lack of communication about delays is really unprofessional.

I'm in a very similar situation and was getting worried too! I've been trading on Robinhood for about 8 months now and this is my first tax season with them. Like you, I have some dividend income and made several stock trades throughout the year, but my documents section is still completely empty. After reading through all these responses, I'm feeling much more relieved. It sounds like Robinhood is just notoriously slow with their 1099 processing compared to other brokers. The fact that so many people here had the same experience and eventually got their forms by late February or early March is reassuring. I'm going to take the advice from others and download my monthly statements this weekend to start organizing everything. That way I can at least begin preparing my return and won't have to scramble once the official forms finally arrive. It's frustrating having to wait, especially when you're eager to file and get your refund, but at least we know they'll eventually come through with the required documents. Thanks for posting this question - it's really helpful to see that this delay is pretty normal for Robinhood users and not something we need to panic about!

@Aisha Rahman raises excellent questions about getting professional help. From my experience helping clients with similar situations, I'd definitely recommend consulting both a tax professional AND an estate planning attorney, especially given the international implications. The good news is that most people don't end up undoing the deed transfer once they understand all the pieces. Here's why: while there are complexities, the benefits often do outweigh the complications when properly planned. Adding your spouse to the deed provides important legal protections, potential estate tax savings (by removing half the property from your taxable estate), and can actually simplify things if you become incapacitated. The key is doing it RIGHT. A qualified professional can help you: 1. Properly calculate and report the gift tax (Form 709) 2. Determine if a QDOT makes sense for your situation 3. Plan for the basis step-up implications 4. Handle any state-level requirements One strategy I've seen work well is to have the tax professional handle the immediate gift tax filing requirements while simultaneously consulting with an estate planning attorney about long-term implications. They can work together to make sure your current actions align with your overall estate planning goals. The complexity shouldn't scare you away - it just means you need the right guidance to navigate it properly. Most people find that once they have a clear plan, the annual compliance requirements are quite manageable.

This thread has been incredibly informative! As someone who's been lurking here trying to understand these same issues with my non-citizen spouse, I really appreciate how everyone has broken down the complexities step by step. One thing I'm wondering about that hasn't been fully addressed - if you're in a community property state, does that change any of these gift tax calculations? I'm in Texas, and I've read conflicting information about whether adding a spouse to a deed in a community property state is treated differently than in common law property states. Also, for those who have gone through the Form 709 filing process, how complicated is it really? The IRS forms always look intimidating, but I'm wondering if this is something most people can handle themselves with good preparation, or if it really requires professional help to get right. Thanks to everyone who has shared their experiences and expertise here - this is exactly the kind of real-world guidance that's so hard to find elsewhere!

I'm going through almost the exact same situation and wanted to share what I've learned after finally getting some answers from the IRS. Like you, I had multiple jobs across states, filed an amended return due to a corrected W-2, and have been waiting 7+ months. Last week I finally got through using the 8am calling strategy (took 3 attempts but it works!) and spoke with an agent who explained what's really happening. When you file an amended return that corrects W-2 information, the IRS has to manually verify the changes with your employer's records in their system. This process can take 4-6 months alone, and that's on top of any initial review time. The agent told me they're severely backlogged in their "wage verification" department specifically. What was really helpful was that she gave me a direct phone number (855-202-4346) for amended return inquiries and a case reference number I can use for future calls. She also confirmed that my refund will include interest calculated from 45 days after my original filing date - in my case, that's adding up to about $400 extra. The most encouraging thing she told me was that returns like ours (multiple jobs + amended W-2s) are actually progressing through the system, just very slowly. She estimated I should see movement in the next 4-6 weeks based on current processing times. I know it's incredibly frustrating, but hang in there. The combination of your situation (multiple states/jobs + stock transactions + amended return) created the perfect storm for delays, but you're definitely not forgotten in the system.

I'm really sorry you're going through this - 6+ months is an incredibly long time to wait for your refund, especially when it's such a significant amount. Your situation resonates with me because I went through something very similar last year. The combination of factors in your case (multiple states, multiple jobs, stock transactions, plus the amended return with corrected W-2) unfortunately creates what the IRS considers a "complex return" that requires manual review. When you filed that amended return in May, it essentially reset the processing timeline because they have to re-verify everything against employer records. I'd strongly recommend trying the congressional representative route at this point. After 6+ months, you're well beyond reasonable processing times, and congressional offices have direct liaison contacts at the IRS who can often get answers when normal channels fail. You just need to fill out a privacy release form on your representative's website. Also, keep in mind that you'll receive interest on your delayed refund calculated from 45 days after your filing date. At the current rate of around 7% annually compounded daily, you're looking at a decent amount of additional compensation by the time your refund comes through. The IRS letters you received are actually a good sign - they indicate normal processing for a complex amended return, even though "normal" feels anything but normal when you're waiting this long. Your return hasn't been forgotten; it's just stuck in a very slow-moving manual verification process. Hang in there - based on everything I've seen, people in your exact situation do eventually get their refunds, it just takes much longer than it should.

One thing I haven't seen mentioned yet is the importance of timing your tire purchase strategically. Since you're 90% business use, you can deduct 90% of the cost in the year you purchase them. If you're close to year-end and expecting higher income next year, you might want to buy the tires now to get the deduction in the current tax year. Also, make sure you're getting the best deal possible since you can only deduct what you actually spend. Check tire retailers for rebates, compare prices online vs in-store, and consider buying during sales events. Every dollar you save is still money in your pocket, but every dollar of the purchase price (times 90%) reduces your taxable income. Don't forget to keep the receipt and note the business use percentage and date of purchase in your records. The IRS will want to see documentation if they ever audit your vehicle expenses.

Great question! As others have mentioned, you can absolutely deduct 90% of your tire costs since that matches your business use percentage. The key thing to remember is that it doesn't matter when you originally bought the vehicle - what matters is your current business usage. Since this is your first year as a 1099 contractor, I'd strongly recommend calculating both the standard mileage method and actual expense method to see which gives you a better deduction. For tires specifically, they're considered maintenance expenses, so you can deduct the full 90% in the year you purchase them. One tip: if you're planning to buy tires soon anyway, consider the timing for tax purposes. If you're expecting higher income next year, purchasing them before December 31st would give you the deduction in the current tax year when it might be more valuable. Also, make sure you're keeping detailed mileage logs and all receipts. The IRS is pretty strict about vehicle expense documentation, especially for high business use percentages like yours. A mileage tracking app can be a lifesaver for this!

One thing I haven't seen mentioned yet is the timing of when you need to file these forms. Since your husband received the inheritance in March 2024, you'll need to report the foreign account on your 2024 FBAR (due April 15, 2025, with automatic extension to October 15, 2025). Also, be aware that even though the inheritance itself doesn't require Form 3520, if that Chilean account generates more than $10 in interest during 2024, you'll need to report that interest income on your 2024 tax return. The interest is taxable to the US even if it stays in the Chilean account. If you're unsure about any of the requirements, consider consulting with a tax professional who specializes in international tax issues. The penalties for not filing FBAR or incorrectly reporting foreign income can be substantial, so it's worth getting it right the first time. Better to spend a few hundred on professional advice than face potential penalties later.

One additional point to consider - since your husband is a dual citizen and the inheritance came from his Chilean mother, you should also verify whether there are any ongoing Chilean tax obligations related to maintaining that bank account. Some countries require annual declarations of foreign-held assets by their citizens, even if they live abroad. Also, if you decide to eventually transfer that money to a US account, be prepared for additional reporting requirements. Large international wire transfers ($10,000+) trigger Currency Transaction Reports (CTRs) at US banks, and you'll want to have all your inheritance documentation ready to explain the source of funds to avoid any suspicious activity reports. Consider setting up a simple tracking system now for any transactions in that account - deposits, withdrawals, interest payments, fees, etc. This will make next year's tax preparation much smoother and ensure you don't miss reporting any taxable events. A basic spreadsheet with dates, amounts, and exchange rates used will save you hours later.