I got Notice 1462 about 5 weeks ago and I'm still in the waiting game too. From what I've gathered from this thread and my own research, it seems like the IRS is being extra cautious this year with fraud prevention, which is causing a lot of these delays. Mine was probably triggered because I had some side income from selling things online that I reported as miscellaneous income. The hardest part is the uncertainty - you never know if it'll be resolved in a few more weeks or drag on for months. I've been checking my transcript every Friday morning with my coffee, which has become a weird ritual at this point! One thing that's helped me mentally is remembering that the IRS isn't trying to keep our money - they're just overwhelmed and being super thorough. Hang in there everyone, we'll get through this eventually! 💪

I received Notice 1462 about 4 weeks ago and wanted to share my experience so far. Like many others here, I think mine was triggered by claiming the Child Tax Credit for my two kids. The notice itself is pretty vague - just says they need additional time to process my return and to allow 60 days for completion. I've been checking my transcript weekly (Sundays have become my check day!) and so far no changes. What's been most helpful is reading everyone's experiences here - it's reassuring to know this is happening to a lot of people and isn't necessarily a red flag. I called once after waiting 2.5 hours on hold, only to be told exactly what the notice said. Won't be doing that again! For anyone just getting their notice - try to stay patient, set up your IRS online account to check transcripts, and don't drive yourself crazy checking daily. This community has been a huge help for keeping me sane during the wait! 🙏

I've been with Chime for over 2 years and can definitely confirm they process deposits on weekends! My tax refund last year hit on a Saturday around 10:30 AM when my DDD was for the following Tuesday. What I've learned from multiple tax seasons is that the IRS usually sends refunds 24-48 hours before the official DDD. So with your 5/26 date, there's a really good chance they'll release it Thursday 5/24 or Friday 5/25. Once Chime gets it, it posts almost immediately - I've never had to wait more than an hour or two. The weekend processing is honestly a huge advantage over traditional banks. My sister uses Wells Fargo and always has to wait until Monday even when her refund gets sent on Friday. I'd definitely keep checking your account Saturday and Sunday mornings - that's when most of my weekend deposits have appeared. Hope you see yours early!

I've been using Chime for my tax refunds for about a year and a half now, and I can absolutely confirm they process deposits on weekends! Just this past tax season, my refund hit my account on a Sunday morning around 9 AM when my DDD wasn't until Tuesday. The key thing I've learned is that Chime processes deposits as soon as they receive them - literally 24/7/365. The real variable is when the IRS actually sends the funds, which in my experience has been 1-2 days before the official DDD. With your DDD of 5/26, I'd expect the IRS to release it either Thursday 5/24 or Friday 5/25. One tip I'd share as someone who's been through this waiting game multiple times - check your account early Saturday and Sunday mornings. Most of my weekend deposits have appeared between 8-11 AM. The early deposit feature is honestly one of the main reasons I stick with Chime instead of going back to a traditional bank. Hope you see your refund early! The weekend processing really is a game-changer compared to having to wait until Monday like with most other banks.

I went through this exact situation about 8 months ago after using a hardship withdrawal for emergency HVAC repairs. The audit initially stressed me out, but it ended up being much more straightforward than I expected. Here's what worked for me: I gathered everything I could find (main contractor invoice, some receipts, bank statements) and created a simple timeline showing the emergency, withdrawal date, and how funds were spent. For the cash payments I couldn't fully document, I included ATM withdrawal records that aligned with the work dates and wrote brief explanations. The key thing I learned is that they're looking for reasonable evidence of legitimate use, not forensic accounting. Your roof repair situation is exactly what hardship withdrawals are designed for, and having that main contractor invoice gives you a solid foundation. Don't panic about the cash payments and scattered receipts - focus on telling the complete story of what happened and why you needed the funds. Include photos of the damage and completed work if you have them. Most employers approve these audits when they can see genuine hardship and reasonable documentation of how the money was used.

I'm dealing with a 401k hardship withdrawal audit right now too, and this thread has been incredibly helpful! My situation is for emergency medical expenses, but the documentation challenges are similar. One thing I discovered that might help is checking if you have any text messages or emails from around that time period. I found texts with my contractor about scheduling and payment, plus emails with suppliers about material deliveries. Even though these aren't formal receipts, they help establish the timeline and show legitimate business relationships. Also, if you used any ride-sharing services or had food deliveries during the repair period (workers often mean more trips to get supplies or meals), those app records can sometimes help support your timeline and show increased activity around your home during the repair period. Your roof repair is such a clear-cut legitimate hardship - storms, insurance issues, necessary repairs. The fact that you have the main contractor invoice puts you in a really strong position. I think following everyone's advice about creating that organized summary with a clear timeline will make all the difference. Don't let the perfect be the enemy of the good here. You used the money exactly as intended, and that genuine use will show through even with imperfect record-keeping!

Has anyone found a good way to ask about crypto transactions without scaring clients? I've had several who initially said "no crypto" only to mention months later they "only did a little bit of Dogecoin trading" lol. By then I'd already filed their return and had to amend.

Great form foundation! I'd add a few more sections that trip up clients every year: - HSA contributions and distributions (including employer contributions from W-2 Box 12 code W) - Any side gig income (Uber, DoorDash, freelance work, selling items online) - Student loan interest paid (Form 1098-E) - Moving expenses if military - Alimony paid or received (and dates of divorce decree - pre/post 2019 rules are different) Also consider adding a "document checklist" at the end so clients know exactly what to bring: "Please bring all forms mentioned above, plus your prior year tax return and any IRS notices received." One formatting tip: I use a two-column layout where the left side has the question in plain English and the right side shows the specific tax form in smaller text (like "Mortgage Interest - Form 1098"). This helps clients understand what they're looking for without getting overwhelmed by form numbers.

This is a really common situation when you get a significant raise or promotion mid-year! Your payroll system basically treats each paycheck as if you'll earn that same amount for the entire year, which works fine when your income is steady but creates problems when it changes. Here's what likely happened: When you were making $70K, your withholding was calculated correctly for that income level. But when you got promoted and started earning more, the system didn't "catch up" to account for the fact that your total annual income would now put you in a higher tax bracket. The $1,350 in interest income definitely contributes too - that's roughly $324 in taxes at the 24% bracket with no withholding. For next year, I'd recommend using the IRS Tax Withholding Estimator (it's free on their website) or updating your W-4 to withhold an additional amount each paycheck. You can calculate roughly how much extra by dividing what you owed ($1,300) by the number of remaining pay periods in the year. The good news is this is totally fixable going forward - you just need to be proactive about adjusting your withholding when your income changes significantly!

This is exactly what happened to me when I switched jobs mid-year and got a significant salary bump! The frustration is real when you think you're doing everything right with withholding. One thing that helped me understand the problem was looking at my year-end paystub to see my total federal tax withheld versus what I actually owed. In your case, with $105K taxable income, your federal tax liability is probably around $16,000-$17,000 (rough estimate). If your total withholding for the year was significantly less than that, it confirms the under-withholding issue. The promotion timing matters a lot too. If you got promoted early in the year, the under-withholding problem compounds over more pay periods. If it was later in the year, the impact is smaller but still noticeable. For 2025, definitely update your W-4 ASAP. Since you now know your approximate income level, you can be more proactive. I'd also recommend doing a mid-year check around June or July to see if you're on track - especially important in sales where bonus timing can vary. The silver lining is that once you get your withholding dialed in for your new income level, this problem should resolve itself. Just think of this year's tax bill as a one-time adjustment cost for your career advancement!