Just wanted to add that if you're just doing simple buy/sell transactions on major exchanges, TurboTax Premium is probably fine by itself. I've been using it for 3 years with my Coinbase and Gemini accounts. The key thing is downloading the transaction history CSV files from each exchange at the end of the year. TurboTax has an import feature that usually works for the major exchanges. Just be careful about the cost basis - sometimes the exchanges don't track it correctly if you've moved coins between platforms. Also, remember that crypto-to-crypto trades are taxable events too! If you traded BTC for ETH, that's a sale of BTC and a purchase of ETH. A lot of people miss this.

One thing nobody's mentioned - if you received any staking rewards or interest on your crypto, that's considered ordinary income at the fair market value when you received it. Different from capital gains from selling!

Whatever you do, DON'T fall for any scams promising to get your refund faster. Stick to official IRS channels only!

This exact thing happened to me last year! Here's what worked for me: First, definitely check the "Where's My Refund" tool like Samantha mentioned - it might give you specific info about what went wrong. Then when you call the IRS (and yes, the wait times are brutal), have these ready: - Your SSN - The exact routing number you entered (even though it's wrong) - The correct routing number for your account - Your tax return confirmation number if you have it The agent will likely need to issue a "refund trace" which can take 6-8 weeks like Megan mentioned. But the good news is you WILL get your money eventually! The IRS doesn't just keep it. Stay patient and document everything - dates you called, reference numbers, etc. Good luck Connor! 🤞

Pro tip: get your congressman involved. Worked for me after my 3rd letter

Ugh, I feel your pain! I'm on my third 60-day letter for 2022 too. What's really annoying is they keep asking for the same documents I already sent. I started keeping copies of everything with delivery confirmations just to prove I sent stuff. The whole system feels broken honestly. Have you tried getting your account transcript online? Sometimes that shows what specific issue they're actually reviewing.

One thing no one mentioned - when you're married filing jointly, you get a wider tax bracket than filing single. For example, the 22% bracket starts at a higher amount for MFJ than for single filers. So if you were single making $50k, more of your income might be in the 22% bracket than when you're married filing jointly with $100k combined income. It's one of the benefits of filing jointly!

This is such a great question and the responses here really clarify things! I was making the same mistake of thinking about our individual incomes separately when we file jointly. One thing that helped me understand this better was realizing that when you're married filing jointly, the IRS essentially treats you as one economic unit. So it doesn't matter if one spouse makes $80k and the other makes $20k, or if you both make $50k each - either way, you're working with $100k total household income and using the married filing jointly tax brackets. The progressive system means that even though your marginal rate might be 22% on that $100k combined income, your effective tax rate (the percentage of your total income that actually goes to taxes) will be much lower since the first portions of your income are taxed at 10% and 12%. Thanks for asking this - it's definitely not a dumb question and I'm sure many people have the same confusion!

Back in 2022, I had an 810 freeze that lasted for 143 days after I filed an amendment. What finally resolved it was discovering that the freeze was related to a mismatch between my reported 1099-R distribution and what the IRS had on file. The distribution code on my 1099-R was coded as a rollover (G), but the issuing financial institution had incorrectly reported it as a regular distribution (1) to the IRS. I contacted the financial institution, had them issue a corrected 1099-R with the proper code, and then faxed that corrected form along with a cover letter to the specific IRS department handling my case. The freeze was released 16 days later. The key was identifying the specific discrepancy rather than just waiting for the IRS to figure it out.

I've been dealing with IRS processing issues for years as a tax professional, and the 810 freeze is particularly frustrating because it's essentially a "black box" - even experienced practitioners struggle to get clear information about resolution timelines. One approach I've seen work (though it's not guaranteed) is requesting your complete account transcript rather than just the return transcript. The account transcript sometimes shows additional transaction codes that can provide clues about what specifically triggered the freeze. Look for any 424, 436, or 922 codes that might indicate the nature of the verification they're seeking. Also, since you mentioned updating your address information, make sure the IRS has your current address in their system independently of your return. Sometimes an 810 freeze won't clear even after other issues are resolved if there's still an address mismatch in their records. You can update this through Form 8822 if needed. The waiting game is unfortunately real with these codes, but having complete information about your account status can at least help you understand what you're waiting for.