Back in 2022, I had a similar situation with Chime. Was denied their advance but still got my deposit 2 days before the official date. If you're concerned about timing, I'd recommend checking your transcript every Tuesday and Friday morning (when they typically update) once the PATH hold lifts. When you see an 846 code with a date, you'll know your official DDD. Then subtract 2-4 days for Credit Karma's early deposit feature. That's been the most reliable method in my experience.

I've been using Credit Karma Money for two years now and can confirm that the early deposit feature works independently of their advance program. Last year I was also denied the advance but still received my refund 3 days before my DDD. The key thing to understand is that Credit Karma receives the ACH file from the Treasury before your official deposit date, and they choose to release those funds immediately rather than holding them until the scheduled date like traditional banks do. Just keep monitoring your transcript for the 846 code - that's when you'll know your official timeline and can expect Credit Karma to deposit 2-4 days earlier depending on how the weekend falls.

This is such a common issue this year! I had almost the exact same experience with TurboTax - their system showed my return as "transmitted" but the IRS had actually rejected it due to my IP PIN. The communication between tax software companies and the IRS seems to have some serious lag issues this filing season. What really helped me was calling the IRS early in the morning (around 7 AM) when they first open. The hold times are much shorter then. You can also check your actual filing status directly on the IRS website using their "Where's My Refund" tool - it'll show you the real status from their end, not what H&R Block thinks. Once you get your IP PIN sorted out and refile, the process should go smoothly. It's frustrating that H&R Block's system doesn't handle this better, especially since IP PINs are becoming so much more common. Good luck getting it resolved!

I went through something very similar with H&R Block last month! The discrepancy between what their software shows and what's actually happening on the IRS side is incredibly frustrating. In my case, H&R Block kept insisting my return was "still processing" while the IRS had actually rejected it days earlier due to an AGI mismatch from last year's return. What I learned is that H&R Block's system doesn't always get real-time updates from the IRS, especially when there are rejection issues. There can be a several-day lag between when the IRS actually processes (or rejects) your return and when that status shows up correctly in H&R Block's system. The IP PIN issue is definitely a likely culprit here. The IRS has been issuing way more of these this year, and many people don't even realize they have one until they try to file. You should be able to retrieve your IP PIN from the IRS website if you have your previous year's AGI and can verify your identity online. One thing that helped me was documenting all the different responses I got from H&R Block support - take screenshots of what their system shows versus what they tell you over the phone. It helped when I eventually had to escalate to get the issue properly resolved. Definitely call the IRS directly as you planned - they're the only ones who can give you the definitive status of your return.

23 One missed tax advantage to employing your child - funding a Roth IRA for them! If you can find a legitimate way to pay your 6-year-old for actual work (like through a separate sole proprietorship), you could help them start a Roth IRA with those earnings. The contribution limit would be the amount they earned or the annual IRA limit, whichever is less. With 60+ years of tax-free growth ahead of them, even small contributions now could be worth a fortune by retirement age. It's one of the best possible financial head starts you could give them. Just another angle to consider as you figure out the employment structure!

This is such a thoughtful question! As a parent myself, I really appreciate your desire to teach your daughter about work ethic and responsibility at a young age. I've been following this thread and wanted to add something that might help: before you go down the route of creating a separate sole proprietorship (which seems like the most viable option based on the discussion here), you might want to consider starting with informal documentation of her work to see if this arrangement actually works for your family. Track her hours, the specific tasks she does, and pay her a reasonable rate from your personal funds for now. This will help you determine if she's consistently interested and capable of the work, and give you real data on what her contribution is worth. If it works well over a few months, then you'll have a solid foundation for formalizing the employment structure. Also, don't forget to involve her in understanding what she's earning and maybe help her set savings goals. At 6, this could be as much about financial literacy as it is about work experience. The tax benefits are nice, but the life lessons might be even more valuable!

Did you receive a W-2G form from the casino? Usually they only issue those for certain winning thresholds ($1,200+ for slots, $5,000+ for poker tournaments, etc). If you got a W-2G, the IRS is already expecting to see that income on your return.

This is a really tough situation that catches a lot of people off guard! The tax code around gambling can be pretty harsh. Just to add to what others have said - make sure you're also aware of the gambling loss deduction limits. You can only deduct gambling losses up to the amount of your gambling winnings for the year, and only if you itemize. Since you broke exactly even, you're in the right ballpark there. But as others mentioned, if your total itemized deductions (gambling losses + mortgage interest + charitable donations + state/local taxes + medical expenses over 7.5% of AGI) don't exceed your standard deduction, you're better off taking the standard deduction even though it means paying tax on those winnings. It might be worth running the numbers both ways - itemized vs standard - to see which gives you the better overall result. Sometimes even paying a little extra tax is worth it if the standard deduction saves you more money overall.

Quick question - does anyone know how this works if the partnership owns mostly real estate? My dad wants to sell his partnership interest to me and my sister, but the partnership's main assets are three commercial properties.

One thing that hasn't been mentioned yet is the importance of getting a proper valuation of the partnership interest before the sale. The IRS requires that sales between family members be at fair market value to avoid gift tax implications. If your cousin sells below market value, the IRS could treat the difference as a gift to the buyers. For a partnership that trades stocks and bonds, the valuation might seem straightforward since you have liquid assets, but you also need to consider factors like marketability discounts for minority interests, any built-in gains or losses in the portfolio, and the partnership's operating agreement restrictions. I'd also recommend checking if your partnership agreement has any buy-sell provisions or right of first refusal clauses that might affect the transaction. These provisions could impact both the sale price and the tax treatment.