its definitely NOT every 24 hrs, ive been checking mine for weeks and sometimes nothing changes for 10+ days straight smh

From my experience working in tax prep, the IRS batch processes updates overnight but your individual transcript might not change daily. The system does update around 3-4 AM EST like others mentioned, but whether YOUR specific return gets processed depends on where you are in the queue at your processing center. Early filers and simple returns usually see faster updates, while complex returns or those with errors can sit for weeks without changes. Don't drive yourself crazy checking multiple times per day - once in the morning after 6 AM EST is plenty!

I would probably contact Dave again, but specifically ask to speak with their ACH department or a supervisor. Sometimes the frontline customer service representatives don't have visibility into pending transactions that haven't fully posted yet. In my experience, using the phrase "I need to speak with someone who can verify pending ACH transfers that might not be visible in the system yet" can get you to someone more helpful. If that doesn't work within 24 hours, you might need to consider filing a CFPB complaint, which often prompts faster action from financial institutions.

I've been through this exact situation with Dave last year! Here's what actually helped me get results: when you call Dave, specifically ask to be transferred to their "Payment Operations" or "ACH Processing" department - don't just talk to regular customer service. The front-line reps literally cannot see pending ACH transfers that are in their processing queue. Also, get a reference number from Cross River for the transaction they sent - this gives you something concrete to reference when Dave claims they haven't received anything. In my case, Dave had received the deposit 2 days earlier but it was sitting in their internal review system. Once I had the Cross River reference number and spoke to the right department, they located it immediately and released it the same day.

I've been dealing with this exact same issue for the past two years with my consulting partnership! The K-1 income classification problem is so frustrating when you're trying to qualify for credits. One thing that helped me was looking into whether any of my partnership activities could be reclassified. Since you mentioned you "barely made any money" - are you actually performing services for the partnership that could justify guaranteed payments? Even a small amount of guaranteed payments for your active work in the business would count as earned income. Also, regarding your fiancé not being able to claim the kids because of the 1095-A - have you looked into the rules around who can claim dependents when there's marketplace insurance involved? Sometimes there are ways to structure this that work better for your overall tax situation. The Premium Tax Credit calculations can be really complex when multiple people in a household have different income types. It might be worth getting a second opinion from a different tax professional who has more experience with partnership structures and marketplace insurance interactions. The combination of those two things creates some really specific scenarios that not all preparers are familiar with.

I went through this exact same situation with my small business partnership last year! The K-1 earned income issue is incredibly frustrating, but there are definitely some workarounds. What ended up working for me was restructuring part of my partnership income as guaranteed payments for services I actually perform in the business. Even if it's just a small amount - like $3,000-5,000 annually for bookkeeping, administrative work, or client management - those guaranteed payments get reported as self-employment income and count toward earned income for tax credits. The key is making sure you can document that you're actually providing services to justify the payments. Keep records of hours worked, tasks performed, etc. You'll pay self-employment tax on that portion, but the trade-off is worth it if you can qualify for EITC or other earned income-based credits. For your dependency situation with the 1095-A, definitely explore whether you or your fiancé claiming the kids results in better overall tax benefits for your household, even if you file separately. Sometimes the person with the "worse" individual tax situation should claim them if it maximizes the household's total refund/credits. I'd strongly recommend finding a tax professional who specifically has experience with partnership structures AND marketplace insurance - that combination creates unique scenarios that many preparers haven't dealt with before.

I went through almost the exact same situation when I moved to Berlin in 2022! The €3800 quote is definitely excessive - I ended up paying around €800 total for both countries by finding the right professionals. Here's what I learned: First, check if you're actually considered a German tax resident for 2023 since you moved mid-year. The 183-day rule could work in your favor. Second, the US-Germany tax treaty is your friend - it prevents true double taxation, but you need to understand which country has primary taxation rights for each income type. For your US employment income from Jan-June 2023, that's clearly US-sourced and will be taxed primarily by the US. Your German employment income from Nov-Dec will be taxed primarily by Germany. The rental income is where it gets tricky - since the property is in the US, the US has primary taxation rights, but Germany will want to tax it as part of your worldwide income if you're a resident. My advice: Use one of the AI tax tools mentioned above to get a baseline understanding of your situation, then find a US expat tax specialist (not a general firm) for around $400-500, and a German Steuerberater for €400-600. The key is finding people who already know the treaty well rather than paying someone to learn it on your dime. Also consider that this complexity is mainly for your 2023 transition year - future years should be more straightforward once you establish clear residency patterns.

As someone who dealt with a similar Germany-US tax situation, I'd strongly recommend getting clarity on your 2023 German tax residency status first - this could save you significant complexity and money. Since you moved to Germany in July 2023, you may not meet the 183-day requirement for German tax residency in 2023, which would mean Germany would only tax your German-sourced income (your Nov-Dec employment) rather than your worldwide income including the US rental property. For your US filing, you'll definitely need to report everything - your Jan-June US employment income and the rental income starting in August. The rental income will be taxed primarily by the US since that's where the property is located. If you do end up being a German tax resident for 2023, you'll report the rental income in Germany too, but you can claim a foreign tax credit for the US taxes paid to avoid double taxation thanks to the treaty. Before spending €3800, I'd suggest: 1) Determine your German residency status for 2023, 2) Try one of the AI tax tools mentioned above to understand your specific situation, 3) Then find specialists who already know the US-Germany treaty well rather than paying generalists to learn it. You should be able to handle both countries for under €1000 total if you find the right help. The good news is that 2024 and beyond should be much more straightforward once you're clearly established as a German resident with predictable income patterns in both countries.

Has anyone tried getting the 1095-A information directly from the health insurance company rather than from parents? When I had a similar issue, I called the insurance provider and explained my situation. They were able to verify my identity and send me the coverage details I needed for my portion of the plan.

I went through this exact same situation last year with my parents' Marketplace plan. The frustrating thing is that you absolutely DO need the 1095-A information to file correctly, but your dad's CPA might be worried about Premium Tax Credit complications. Here's what worked for me: I contacted the IRS Taxpayer Advocate Service (it's free). They helped me understand that I needed specific information from the 1095-A - like the monthly premium amounts and coverage dates - but I didn't necessarily need the physical form. They even provided me with a letter explaining the legal requirement that I could show my parents. The key insight was that even though you don't pay for the insurance, the IRS needs to verify your coverage to ensure you're not incorrectly claiming exemptions or credits elsewhere on your return. Your dad's concern about the CPA's advice might be valid from his perspective, but it doesn't change your legal obligation to report the coverage. One compromise that worked for us: my parent agreed to sit with me while I filled out the relevant tax software sections, reading the information directly from their form without giving me a copy. This satisfied both the legal requirement and their CPA's concerns about document sharing.