I've been using Greendot for tax refunds for about 4 years now and your timeline looks completely standard. The 846 code with 3/15 date means the IRS definitely sent your money - that part is done. Since 3/15 was Friday, Greendot's system wouldn't process it over the weekend. Based on my experience, you should see it by Tuesday morning, possibly Monday night if you're lucky. For medical appointments, I've learned to build in this 2-3 day buffer when planning around tax refunds with prepaid cards. It's frustrating but predictable. One tip: download the Greendot app if you haven't already - sometimes deposits show up there before text notifications go out. Also check around 6am EST on Monday/Tuesday, that's when I've typically seen mine post. Your money is coming, just hang tight through the weekend!

I've been dealing with Greendot for tax refunds for about 2 years now, and your situation sounds totally normal! The 846 code with March 15th date means the IRS has done their part - your refund is officially sent. Since March 15th was a Friday, Greendot typically doesn't process deposits over weekends, so you're looking at Monday or Tuesday for the funds to actually appear. I completely understand the anxiety about medical appointments - I was in a similar spot last year waiting for funds for a procedure. What helped me was setting realistic expectations: once you see that 846 code, count on 2-3 business days with Greendot, not the same day like some traditional banks. One thing I learned is to check your account early morning (around 5-6am EST) on weekdays - that's when their system typically updates. Also, make sure you don't have any account verification requirements pending that could delay things. Your money is definitely coming, just on Greendot's timeline rather than the IRS timeline!

I work in benefits administration and wanted to add some clarity here. The imputed income is specifically for the value of benefits that cover non-tax dependents. The way it typically works: 1. The employer calculates the "fair market value" of covering the domestic partner 2. They subtract what the employee pays post-tax for this coverage 3. The difference is added as imputed income to the employee's W-2 I recommend your fiancée ask HR for a detailed breakdown of how they calculated the $1,675.21 figure. That seems unusually high unless it's including multiple benefits (medical, dental, vision, etc.) or it's a very premium health plan.

This is exactly why I always recommend people get multiple quotes before making these decisions! When my sister lost her job, we spent hours comparing all her options - COBRA, marketplace plans, and domestic partner coverage through her boyfriend's work. The domestic partner route ended up being the most expensive once we factored in the tax implications. She ended up getting a silver marketplace plan for about $180/month after subsidies, which was way less than the $400+ monthly tax hit she would have faced. One tip that really helped us: when you're calculating your expected income for marketplace subsidies, make sure to include any unemployment benefits you're receiving AND estimate realistically what you might earn if you find work partway through the year. The subsidy calculations are based on your projected annual income, not just your current situation. Also, don't sleep on checking if your previous employer offers extended COBRA beyond the standard 18 months - some do, especially if the layoff was part of a larger restructuring.

The answers here are helpful but don't forget there's a difference between having to file and actually owing tax. A lot of states require filing even if you don't end up owing anything. Or they might have minimum tax amounts even with losses.

This is such a timely discussion - I'm dealing with a similar multi-state nexus nightmare right now. One thing I'd add is to make sure you're also considering franchise tax obligations, not just corporate income tax. Some states like Delaware and Texas have franchise taxes that can apply even when you don't have income tax nexus. Also, for anyone using remote workers, keep detailed records of where they're actually performing work versus where they're "based." I learned the hard way that some states care more about where the work is physically performed than where the employee officially resides. Our tax advisor said this documentation could be crucial if we ever get audited on our nexus determinations. The economic nexus thresholds are changing so frequently that whatever resource you use, make sure it's updated at least quarterly. I've seen states lower their thresholds mid-year without much fanfare.

This whole thread has been super helpful! I had the exact same issue with FreeTaxUSA adding Form 8880 and bumping me to their paid tier. Like others mentioned, I went back to the retirement account section and changed my answer from "yes, I have a 401k" to specifically indicating "$0 contributions for 2024." That immediately removed Form 8880 and got me back to the free filing option. The key insight from this discussion is that the software distinguishes between "having" a retirement account versus actually "contributing" to it during the tax year. For anyone else stuck with this - don't panic about the deadline. Most tax software makes it deliberately confusing to remove forms because they want you to upgrade, but you absolutely don't need to pay extra for a form that provides zero benefit. Take the time to go back through your answers and be specific about contribution amounts rather than just account existence. Filed successfully this morning using the free version and saved myself $79! Thanks everyone for sharing your experiences and solutions.

I've been following this thread closely because I'm dealing with the exact same Form 8880 headache! What really helped me understand the issue was realizing that the tax software is essentially "guilty until proven innocent" - it assumes you might qualify for every possible credit and adds the forms accordingly. After reading through everyone's solutions, I found that the problem usually boils down to how you answer the retirement account questions. The software asks "Do you have a 401(k)?" and when you say yes, it immediately thinks "potential Savers Credit!" and adds Form 8880. But there's a huge difference between having an account and actually contributing to it. For anyone still struggling with this: Go to your retirement section and look for questions about contribution amounts, not just account existence. Make sure you're entering $0 for any accounts where you didn't contribute during 2024. The software should then remove Form 8880 automatically. I also want to echo what others said about not being afraid to delete unnecessary forms. The IRS isn't going to penalize you for NOT claiming a credit you don't qualify for. The tax software companies make money when you upgrade to paid versions, so they're incentivized to make the free versions seem inadequate. Don't fall for the scare tactics about "missing out on credits" if you know you don't actually qualify!

I'm jumping in as someone who's been through the tax industry for about 5 years now, and I want to reassure you that your anxiety is completely normal but probably unnecessary! Here's the reality check you need: tax preparation firms EXPECT interns to know virtually nothing. They budget time and resources specifically for training because they know you're learning. The fact that you're worried about your knowledge level actually shows you have the right attitude - you care about doing well. My practical advice for the next few weeks: Focus on three things only. First, get comfortable with Form 1040 - not memorizing it, just understanding the flow from income to deductions to tax owed. Second, learn to recognize the most common tax documents clients bring in (W-2, 1099s, receipts for deductions). Third, practice your client communication skills since you'll be interviewing people about their tax situations. Don't stress about complex tax scenarios or edge cases - you won't be handling those as an intern. Most of your work will be straightforward returns using software that guides you through everything step by step. Your tutoring background is actually a huge asset here. Tax preparation requires patience, clear communication, and the ability to ask good follow-up questions - skills you already have. You'll probably pick this up faster than you think. Start with IRS Publication 17 and maybe watch a few basic tax prep videos on YouTube, but don't overdo it. Save your energy for being an engaged learner once you start. Show up curious, ask questions freely, and take good notes. That's all they're looking for in an intern. You're going to do great - the fact that you landed this position means they saw potential in you!

Dylan, I can completely understand your anxiety! I was in almost the exact same situation when I started my tax internship - felt like I knew absolutely nothing and was terrified they'd figure out how unprepared I was. Here's what really helped me: Start with the IRS's "Understanding Taxes" online modules (they're free on the IRS website). They break down concepts in really simple terms without overwhelming you. Then grab Form 1040 and just get familiar with the basic layout - where wages go, where deductions go, how it flows from top to bottom. You don't need to memorize anything, just understand the general structure. The reality is that tax software does most of the heavy lifting these days. As an intern, you'll mainly be doing data entry and asking clients the right questions to gather information. Your tutoring experience is actually perfect for this - you already know how to ask clarifying questions and explain things simply. One thing that saved me: I made a simple cheat sheet of common tax documents (W-2 = wages, 1099-NEC = contractor income, etc.) and kept it handy my first few weeks. It made me feel more confident when clients handed me paperwork. Most importantly, be upfront about being new but eager to learn. Every tax professional started exactly where you are. The supervisors I worked with said they'd rather train someone enthusiastic who asks questions than someone who pretends to know everything and makes mistakes. You're going to do better than you think! The fact that you're already seeking advice shows you have the right mindset for success.