mine got offset last year and tbh the transcript was confusing af to read. wish i knew about those transcript reading tools back then would've saved me so much stress ngl

Just went through this myself - yes, offsets definitely show up on your transcript as code 898 like AstroAdventurer mentioned. The tricky part is they don't tell you WHAT the debt is for specifically. If you want to know ahead of time, you can check the Treasury Offset Program website or call them. Also heads up - if you're married filing jointly and only one spouse owes the debt, you might be able to get the other spouse's portion back by filing an injured spouse claim. Don't stress too much though, at least you'll know what happened when you see that code!

I just went through this exact same issue with OLT! The problem is definitely in their HSA calculation logic. What worked for me was going to the "Forms" section in OLT and manually editing Form 8889 directly. Here's what I did: After completing all the regular tax info, I went to Forms > Form 8889 and found the HSA contribution worksheet. There's a line where you can override the "maximum contribution allowed" calculation. I entered the correct amount ($5,375 in your case) and added a note explaining the dual catch-up contributions. You'll also want to make sure both HSA accounts are properly entered - your family account with $4,875 and your husband's individual account with $500. The key is that OLT needs to see them as separate accounts to recognize that you can each claim the $1,000 catch-up. This override prevented the excess contribution penalty from appearing on my return. Just make sure to double-check that your Form 8889 shows the correct calculations before filing!

This thread has been incredibly helpful! I'm dealing with a similar HSA calculation issue but with H&R Block's software. Like the original poster, my spouse and I are both over 55 and had HDHP coverage for only part of the year. The manual override solution that Miguel shared sounds promising. Does anyone know if other tax software programs (H&R Block, TaxAct, etc.) have similar Form 8889 override capabilities? Or is this specific to OLT? I'm also curious - for those who successfully used the manual override approach, did you encounter any issues during IRS processing, or did your returns go through smoothly? I want to make sure this workaround doesn't trigger any red flags or delays. The taxr.ai suggestion is interesting too, but I'd prefer to fix this within my current software if possible rather than uploading my tax data to another service.

I'm surprised nobody mentioned reaching out to your company's stock administrator! When I had a similar issue with RSUs and a CP2000, our company's equity team provided me with detailed documentation specifically designed for responding to IRS notices. Many larger companies that offer RSUs have dealt with this exact situation many times and already have template letters and supporting documentation they can provide to employees. Worth checking if your HR or stock admin team can help before spending money on a professional.

I went through this exact same situation about 6 months ago with my company's RSUs and got a CP2000 notice. The stress was real! Here's what I learned from my experience: First, you're absolutely right that the IRS assumes $0 cost basis when they don't see the full picture. The good news is this is totally fixable and more common than you think. I ended up handling it myself and saved the $400+ I would have spent on a CPA. What really helped me was being super organized with my response. I created a simple table showing: - Each stock sale date from my 1099-B - The original RSU vesting date - The fair market value when it vested (this becomes your cost basis) - Reference to the specific line on my W2 where that income was reported The key insight is that when RSUs vest, you already paid income tax on the full fair market value. That value becomes your cost basis for when you eventually sell the shares. The IRS just didn't connect these dots initially. My advice: if you're confident in your amended return calculations and have all your RSU documentation organized, you can definitely handle this yourself. Just be thorough and clear in your explanation. The IRS is actually pretty reasonable when you provide proper documentation showing you already paid the taxes owed.

Dumb question maybe but does anyone know if FreeTaxUSA has mobile app or do I need to use my laptop? Wanna try them this year but I do everything on my phone.

I can confirm what others have said - FreeTaxUSA definitely lets you download PDF copies of your completed returns! I've been using them for the past 3 years and always save local copies immediately after filing. Just to add to what's already been mentioned: the download option stays available in your account dashboard year-round, so you're not limited to just downloading right after you file. I actually went back last month to grab my 2022 return for a financial aid application and had no issues accessing it. For someone who's "paranoid about backing up" (totally get it!), you'll appreciate that FreeTaxUSA makes it really straightforward. The PDF includes everything - your main forms, all schedules, and supporting worksheets. I keep copies on my computer, cloud storage, AND an external drive. Better safe than sorry with tax documents!

I'm glad you're being so thorough about this! As someone who's served on several non-profit boards, I can confirm that the organization handles IRS reporting through their Form 990, not individual board members. One thing I'd add to the excellent advice already given - make sure to clarify your insurance coverage timeline. Many non-profits carry Directors & Officers (D&O) insurance that covers board members for actions taken during their tenure. You'll want to understand how long this coverage extends after your resignation, especially for any decisions you participated in while serving. Also, if your organization receives federal grants or contracts, there might be additional reporting requirements beyond the IRS filings. Some grant agreements require notification of board changes within specific timeframes. While this isn't your direct responsibility as the departing member, it's worth mentioning to the remaining board to ensure they don't miss any deadlines. The key is documenting everything clearly so there's no ambiguity about when your responsibilities ended. It sounds like you're already on the right track with the written resignation approach!

One additional consideration that hasn't been mentioned yet - if your non-profit is registered in multiple states (which is common for organizations that solicit donations or operate across state lines), you'll want to make sure they update your information with each state's charity registration office, not just the IRS. I learned this when I left a regional non-profit that was registered in four different states. Even though they properly filed their Form 990 with the IRS, I continued receiving correspondence from two state agencies for months because the organization forgot to update their state registrations. It wasn't a huge problem, but it was annoying to keep getting notices addressed to me as a board member. You might want to ask the organization for a list of all states where they're registered and request confirmation that they'll update your status with each one. Most states have their own annual filing requirements for charitable organizations, and board member information is typically part of those filings. This is especially important if you're moving or changing addresses soon, since you don't want official correspondence following you around. A simple email asking "Which states are we registered in, and can you confirm you'll remove me from all those registrations?" should cover it.