I'm experiencing the exact same thing! Got my 846 code with a March 26 date through TurboTax and Credit Karma, but still nothing in my account as of this morning. This is my first year using Credit Karma for tax refunds so I wasn't sure if this was normal or not. Reading through everyone's experiences here is really helpful - sounds like the 1-2 business day delay after the IRS release date is pretty typical for online banks. I'm going to give it until Friday before I start worrying. Thanks for posting this question, it's reassuring to know I'm not the only one in this situation!

I'm going through the exact same thing! Filed through TurboTax, got my 846 code for March 26th, and still waiting for Credit Karma to show the deposit. It's so frustrating because you see all these posts about people getting their refunds early and you start wondering if something went wrong. But reading through all these responses really helps put things in perspective - seems like the 1-2 business day delay after the IRS release date is totally normal for online banks like Credit Karma. I'm going to stop obsessively checking my account every hour and give it until Friday like others have suggested. Thanks everyone for sharing your experiences, it definitely makes the waiting less stressful when you know you're not alone!

Has anyone actually gotten in trouble for missing Form 8615 in the past? I think I was supposed to file it last year (I was a dependent with dividend income) but didn't know about it. Now I'm worried...

Just wanted to add some perspective as someone who works in tax preparation - you're absolutely right to be concerned about getting this right, but the good news is that based on your situation, you definitely don't need Form 8615. The key factors are: 1) You're filing as independent (nobody can claim you as a dependent), and 2) Your taxable scholarship income isn't considered "unearned income" for Form 8615 purposes anyway. That form is specifically targeting investment income like dividends, interest, and capital gains that parents might try to shift to their kids' returns. Your situation with $23k in taxable scholarships for room/board is actually pretty straightforward - just report it as income on your 1040. The fact that your previous preparer missed this entirely is concerning and suggests you made the right call handling it yourself this year. One tip: when you're reporting that scholarship income, make sure you're not double-counting it anywhere else on your return. And definitely keep good records of what portions of your scholarships went toward qualified vs non-qualified expenses in case the IRS ever asks. The IRS is generally reasonable with honest mistakes, especially from students navigating this stuff for the first time. If you made an error somewhere, they'll typically just send you a notice with the correction rather than assuming fraud. You're clearly trying to do things right, which goes a long way.

filed on 03/29, accepted 03/30, DDD of 04/12 on my transcript, and it hit my CashApp on 04/10 - so 2 days early.

CashApp user here! Got mine 3 days early this year. Filed on 4/8, accepted same day, transcript showed DDD of 4/25, but money hit my CashApp on 4/22. My sister used Wells Fargo and got hers exactly on the IRS date - no early release. From what I've noticed over the years, it really depends on when during the week your DDD falls and how quickly the IRS processes that particular batch. If your bills are tight, CashApp is definitely worth trying, but I wouldn't count on more than 1-3 days early max.

Based on what everyone's discussed here, it looks like you're dealing with a classic capital improvement situation. A $24,500 complete roof replacement definitely falls under capital improvements that need to be depreciated over 27.5 years for residential rental property. While bonus depreciation would be amazing for cash flow, residential rental property improvements like roofs generally don't qualify - they follow the same depreciation schedule as the building itself. Section 179 is also off the table for rental properties. Here's what I'd suggest: set up the depreciation over 27.5 years starting from when the roof was placed in service (likely when completed last summer). This means you'll be able to deduct roughly $890 per year ($24,500 ÷ 27.5 years) for the next 27.5 years. Not as exciting as a big first-year deduction, but it's the correct treatment under current tax law. Given the complexity and the dollar amount involved, it might be worth having a CPA review your return to make sure everything's handled correctly. The depreciation recapture rules when you eventually sell the property can get tricky too.

Just to add one more perspective here - I went through a similar situation with a $18,000 roof replacement on my duplex last year. After consulting with my CPA, we confirmed that the 27.5-year depreciation schedule was indeed the correct approach for residential rental property. One thing that might help with your cash flow situation: make sure you're also capturing any other deductible expenses from the roof project. Things like permits, disposal fees for the old roof, and even the cost of temporary repairs to prevent damage during the replacement process can often be deducted as rental expenses in the year they occur, rather than being added to the capital improvement cost. Also, don't forget that you can start claiming the depreciation from the month the roof was placed in service, so if it was completed in July, you can claim 5.5 months of depreciation for last year (roughly $408 if using the $890 annual figure mentioned earlier). The 27.5-year timeline seems long, but that annual deduction really does add up and provides solid tax benefits each year you own the property.

Has anyone considered the possible legal implications beyond just taxes? Letting someone else use your account on gig platforms usually violates their terms of service. Could she get in trouble with the platform too?

This is a really tricky situation that I've seen cause headaches for people. The key thing to understand is that the IRS computer systems automatically match 1099s to Social Security Numbers, so if Sarah doesn't report that $13,500 on her return, she'll almost certainly get a CP2000 notice (basically an automated "you forgot to report this income" letter). Her dad's promise to "take care of the taxes" doesn't change the fact that the income is tied to her SSN. Even if he somehow managed to pay taxes on it through his own return, the IRS systems would still be looking for that income on Sarah's return. The Schedule C approach mentioned by Carmen is probably the most practical solution at this point - Sarah reports the income, then deducts the full amount as payments to her father for contract services. This way the IRS sees the income reported under the correct SSN, but the tax burden effectively passes to the person who actually earned it. Just make sure there's proper documentation of this arrangement in case of questions later. And definitely learn from this situation - sharing gig accounts creates way more problems than it's worth!