Quick question about e-filing in this situation - has anyone successfully e-filed with no full-year state residency? When I tried last year, TurboTax kept giving me errors and forcing me to choose a "home state" even though I didn't have one.

This is actually a pretty common situation for people with mobile lifestyles! You're correct that you can be a non-resident or part-year resident in all states you lived in without being a full-year resident anywhere. One thing to double-check though - make sure you understand Colorado's rules about "domicile" vs "residency." Even if you weren't there 183+ days, if Colorado considers itself your domicile (basically your permanent home base where you intend to return), they might still try to claim you as a full-year resident for tax purposes. Since your mail goes to your friend's place there and you're returning there, you might want to clarify this with Colorado's tax department. Also, since you've been in South America since September, depending on how your income was structured and how long you stay abroad, you might qualify for some foreign income exclusions on your federal return. Worth looking into if you're doing any work while traveling. Keep all your documentation (lease agreements, employment contracts, travel records) - the IRS and state agencies love clear timelines when dealing with multi-state situations like yours.

Let me share a specific example from today: My brother and I both have Capital One accounts. We both had DDDs of 2/22. His refund ($1,850) hit his account at 11:42am today. Mine ($3,275) didn't deposit until 3:18pm. Same bank, same DDD, different processing times. It's like waiting for a train that runs on its own mysterious schedule - it'll get there when it gets there, but it's definitely coming.

Just wanted to update everyone - my Capital One deposit hit at 6:47am this morning! DDD was 2/24 so it came exactly one day early. For those still waiting, don't panic if yours doesn't show up today. Capital One definitely processes in waves and I've noticed they seem to prioritize accounts with longer banking history first. My account has been open for 4 years and I've had direct deposit set up the whole time. Also, make sure you're checking both your available balance AND pending transactions - mine showed as pending for about 2 hours before fully posting to my account.

Chrysler Financial doesn't even exist anymore! They went bankrupt in 2009 and their assets were acquired by TD Auto Finance. So whoever sent you that 1099-C is probably some debt buyer who got your old account in a portfolio purchase. I'd definitely dispute this. I work in collections (yeah I know, everyone's favorite person) and we are required to issue 1099-Cs for the year in which we make the decision to stop collection activity, not years later when some database gets updated.

This is a frustrating but unfortunately common situation. The good news is you have several strong options to challenge this. First, gather all your documentation from 2008 - credit reports showing the charge-off date, bank statements showing when payments/attempts stopped, any correspondence from Chrysler Financial. This will be crucial evidence that the debt was actually discharged in 2008, not 2025. Since Chrysler Financial no longer exists (they were acquired by TD Auto Finance after their bankruptcy), start by contacting whoever issued the 1099-C. Demand they provide documentation showing when they acquired the debt and when collection activity actually ceased. They're required to issue 1099-Cs for the year the debt was actually canceled/written off, not when they get around to filing paperwork. For your tax filing, definitely use Form 8082 to report the inconsistent treatment - explain that this debt was discharged in 2008 based on your documentation. Additionally, calculate your insolvency as of 2008 using Form 982. If your total debts exceeded your assets back then (which sounds likely given your situation), you can exclude this income entirely. Don't panic about owing taxes on this. The IRS sees these delayed 1099-C issues frequently, and with proper documentation, you should be able to resolve it without any tax liability.

Code 846 is definitely a good sign! That March 9th date is when the IRS officially releases your refund for direct deposit. In my experience, most people get their money on that exact date or sometimes even a day early if their bank processes it quickly. Since March 9th is a Saturday this year, some banks might actually deposit it on Friday the 8th, while others could delay until Monday the 11th. I'd suggest checking with your bank about their weekend deposit policy just to be safe. The stress with kids and bills is totally understandable - once you see that 846 code though, you're basically in the clear! The IRS has approved everything and sent it to Treasury for payment.

Code 846 is great news! That means your refund has been approved and is scheduled to be released on March 9th. Since you mentioned you're planning everything down to the day with bills and daycare, just keep in mind that March 9th is a Saturday this year. Some banks will process it on Friday March 8th, while others might hold it until Monday March 11th depending on their weekend policies. I'd recommend calling your bank to ask about their government deposit processing on weekends - that way you can plan your bill payments accordingly. The stress with multiple kids and expenses piling up is so real, but seeing that 846 code means you're basically home free! The IRS has done their part and sent it to Treasury for payment.

Dont forget bout tracking ur expenses!!! I do yard work on weekends n made like 7k last year. I almost forgot to claim stuff like my lawnmower, gas, trimmer etc. Saved me like $800 on taxes!!!! Keep ALL receipts even small stuff like work gloves adds up.

Great question! I was in a similar situation with my freelance writing work. You definitely don't need a formal business registration to report this income - you're automatically considered a sole proprietor. Here's what you need to do: 1. Report your $5,300 on Schedule C as business income 2. You can deduct business expenses like a portion of your laptop, internet, software subscriptions, etc. 3. You'll owe self-employment tax (about 15.3%) on the net profit 4. Since none of your clients sent 1099s, make sure you keep good records - those Venmo transactions will be your proof For next year, consider making quarterly estimated tax payments if you continue earning this much. The IRS can penalize you for underpaying throughout the year. Also, you might want to open a separate checking account for your freelance income to keep things organized. The good news is this is totally normal and manageable! Lots of people do side work without formal businesses. Just make sure you're tracking everything carefully and setting aside money for taxes.