Can anyone recommend decent investment options for inherited IRAs? I'm in a similar situation and wondering if I should stick with target date funds or try something different since I have this 10-year timeframe.

This is a complex situation, but you're asking the right questions! One thing I'd add to the excellent advice already given is to consider the timing of your withdrawals strategically. Since you mentioned you have a small business and max out your SEP IRA, you likely have variable income year to year. Consider taking larger distributions from the inherited Traditional IRA in years when your business income is lower - this could keep you in a lower tax bracket overall. Also, don't forget about state taxes! Depending on where you live, state tax rates on IRA distributions can vary significantly. Some states don't tax retirement account withdrawals at all, while others treat them as regular income. For the brokerage account, one more tip: if you're planning to hold investments long-term, consider tax-loss harvesting opportunities. You can sell losing positions to offset gains elsewhere, which can be particularly useful if you're taking large distributions from the Traditional IRA that are pushing up your tax bracket. The 10-year rule gives you flexibility - you don't have to take equal amounts each year. Work with a tax professional to model different withdrawal scenarios based on your projected income over the next decade.

Have you considered trying tax software like TurboTax Self-Employed or TaxAct? Since you already use QuickBooks, TurboTax integrates really well and imports everything automatically. I switched from an accountant to TurboTax 2 years ago and it's been super easy. Only costs around $120 for federal and state filing with business income.

I made the switch from an expensive CPA to H&R Block last year for my small consulting business and it was definitely worth it. My old accountant was charging me $800+ for what felt like 20 minutes of work since I had everything organized in QuickBooks. The key is finding the right location and preparer. I called three different H&R Block offices and asked specifically about their small business experience before booking. The one I ended up using had a senior tax professional who'd been doing small business returns for over a decade. Total cost was $320 for my Schedule C return vs the $800+ I was paying before. She caught a few deductions my previous accountant had missed (like some home office expenses) and explained everything clearly. The audit protection gave me peace of mind too. My advice: call ahead, ask for their most experienced small business preparer, and bring your QuickBooks P&L and expense reports printed and organized. If your business is straightforward, you'll likely save a ton of money without sacrificing quality.

Anyone know if you need to fill out a separate Form 8889 for each HSA, or can you combine them? I'm in a similar situation with multiple HSAs and honestly the form instructions are like reading hieroglyphics to me.

I went through this exact same situation last year with dual employer HSA contributions! The stress is real, but you're handling it correctly by getting the excess distribution sorted first. One thing that tripped me up initially - make sure when you report on Form 8889, you enter your contributions exactly as they appear on your W-2s and HSA statements, even if they exceed the limit. The form will calculate the excess for you in Part III. Don't try to "correct" the numbers yourself by only reporting the allowed amount. Also, double-check that your HSA provider sends you a 1099-SA for the excess distribution with the right reason code (should be code 2 for excess contributions). If they mess this up, it can cause headaches later with the IRS. You've got this! The worst part is behind you once you get that excess removed before the filing deadline.

Has anyone tried using Google Timeline as a backup for mileage? I've been using it to cross-reference my paper logs and it's been super helpful when I forget to write down my ending mileage.

Your current system is actually really solid! I've been doing delivery driving for 3 years and have been through one audit (random selection, not because of any issues). The auditor was completely satisfied with a log very similar to yours. What really matters is that you're recording contemporaneously (at the time, not reconstructing later) and being consistent. Your odometer readings are gold - that's actual proof of miles driven, which is way better than just estimating. One small tip: I started adding weather conditions to my log ("rainy," "snowy," etc.) because it helps establish that these were real working days and adds credibility. On slow weather days when I only did a few deliveries, having that notation helped explain why my miles might be lower. Don't stress about tracking every single pickup and dropoff - that's overkill and the IRS knows it. You're doing great with the area-based tracking. Keep doing exactly what you're doing!

Quick suggestion - the IRS has an official Tax Withholding Estimator online that's actually pretty good: https://www.irs.gov/individuals/tax-withholding-estimator You enter both your incomes, current withholding from recent paystubs, and it gives you specific numbers to put on each W4. It's designed specifically for situations like yours with multiple jobs and disparate incomes. The calculator even lets you specify if you want a refund of a specific amount or if you want to break even. Might be worth trying before paying for any services!

Another option: just do estimated tax payments quarterly instead of messing with your W4s. That's what my wife and I do with our income disparity ($90K and $320K). We both just check "married" on our W4s without any adjustments, then make quarterly payments to cover the gap. The advantage is you can calculate it more precisely and adjust throughout the year as your income changes. Just use the 1040-ES worksheet to figure out how much to pay.