Make sure you check if you need to file state amendments too! Everybody's talking about the federal return but depending on your state, you might need to file a state amendment too after you fix the federal one.

The good news is that filing an amended return proactively is actually viewed favorably by the IRS - it shows you're being honest about the error rather than trying to hide income. I've been through this exact situation before. Here's what I'd recommend: 1) File Form 1040-X immediately to minimize interest charges, 2) Include a brief explanation that your preparer omitted the 1099-NEC despite you providing it, and 3) Pay any additional tax owed as soon as possible to stop interest from accruing. The IRS matching system will definitely catch this - they get copies of all 1099s electronically and run automated comparisons. Better to fix it now than wait for them to send you a notice with higher penalties. Your original refund should still process normally while the amendment is being reviewed separately.

Girl don't stress too much! I've been through this exact same thing before and TT152 disappearing is usually actually a GOOD sign that your return is moving through the system. The generic "still being processed" message is super annoying but it doesn't mean anything bad necessarily. Since you filed 1/17 and got accepted 1/21, you're right in that normal processing timeframe. I'd give it maybe another week or two before calling - the phone lines are absolutely insane right now anyway. Try to check your transcripts if you can access them, that'll give you way more info than WMR! Hang in there bestie, your refund is probably coming soon! 💪

Hey! I totally get the anxiety - I was in the exact same situation last month and it drove me absolutely nuts checking WMR constantly 😅 The disappearing TT152 actually ended up being a good sign for me - got my DDD like 4 days later! The generic "still processing" message is super frustrating but try not to read too much into it. Your timeline sounds totally normal for this time of year. The IRS is swamped right now so delays are pretty common. I'd definitely try checking your account transcripts on irs.gov if you can - they update faster than WMR and give you way more detailed info about what's actually happening with your return. Hang tight, you're probably closer than you think! 🤞

Something weird I noticed - you mentioned filing Form 5389 but that's not a tax form. Did you mean Form 5329 for Additional Taxes on Qualified Plans? That's the form you need for reporting excess contributions.

Just to add some clarity on the timeline and penalties - you're actually in a bit of a gray area that might work in your favor. While it's true that the ideal window to avoid penalties completely was by October 15, 2024, the fact that you caught this early in 2025 and took immediate corrective action shows good faith effort. When you file Form 5329 with your amended 2023 return, you'll calculate the 6% excise tax on the $6,500 excess for 2023. However, since you removed it promptly in 2025, you won't owe the penalty for subsequent years. One important note: make sure Fidelity codes the 1099-R correctly. It should show distribution code "J" (early distribution from Roth IRA) for the earnings portion. The $6,500 principal won't be taxable since Roth contributions are made with after-tax dollars, but the $350 in earnings will be subject to both income tax and the 10% early distribution penalty on your 2024 return. Consider keeping detailed records of when you discovered the error, when you contacted Fidelity, and when the funds were returned. This documentation could be helpful if the IRS has any questions about your timeline and good faith effort to correct the situation.

Has anyone used TurboTax to calculate wash sales? I have their Premier version which supposedly handles investments, but I'm not sure if it correctly identifies wash sales across multiple transactions.

Great breakdown of the wash sale rules everyone! I've been dealing with this exact issue and wanted to add a few practical tips that have helped me: 1. Keep detailed records of ALL your trades with dates - not just what your broker reports. Some brokers don't track wash sales across different account types (like if you have both a taxable and IRA account). 2. Be extra careful with dividend reinvestment plans (DRIPs). If you sell a stock at a loss and have automatic dividend reinvestment turned on, those reinvested dividends within 30 days can trigger wash sale rules too. 3. Watch out for mutual funds and ETFs that might hold the same stocks you're trading individually. I got burned on this - sold individual tech stocks at losses but my mutual funds were buying the same companies, which created wash sales I didn't expect. The 30-day rule goes both directions too (before AND after the sale), so it's actually a 61-day window to be careful about. I learned this the hard way when I thought I was being smart by waiting exactly 30 days to repurchase. Thanks for sharing those tool recommendations - definitely going to check them out before next tax season!

I'm currently in the waiting phase myself - submitted my application 18 hours ago and refreshing my email constantly! Reading through everyone's experiences here is both reassuring and nerve-wracking. It sounds like there's really no way to predict the timing, which makes planning so difficult. I'm in a similar boat as the original poster with home repairs that I'd like to get started on. Based on what everyone's shared, it seems like I should probably wait until at least the 48-hour mark before getting too concerned. Thanks for sharing all your real experiences - it's way more helpful than the vague "24-48 hours" timeline they give you when you apply!

I went through this exact process about 3 weeks ago and the uncertainty was driving me crazy! Mine took exactly 31 hours from application to approval notification. What really helped me was setting up text notifications through H&R Block rather than just relying on email - I got the text about 20 minutes before the email came through. For planning purposes, I'd honestly suggest having a backup timeline for your home repairs that doesn't depend on the advance. I made the mistake of scheduling contractors based on expecting quick approval, and then had to awkwardly reschedule when my approval was delayed. The actual refund timing is much more predictable if the advance doesn't work out. Also, just a heads up - even after approval, it can take a few more hours for the funds to actually hit your card, so factor that in too!