Just a heads up - if you do decide to amend, make sure you check if you'd actually benefit from filing jointly vs separately. Most couples do save money filing jointly, but there are certain situations where filing separately is better (like if one spouse has income-based student loan payments or significant medical expenses). Worth calculating both ways before going through the amendment process.

Just wanted to add that the error code you mentioned (IND-508-01) specifically indicates that your SSN was already used on another return with a different filing status. This confirms what others have said - your wife's return was processed as "married filing separately" even though she selected "married filing jointly" in TurboTax. The key thing to understand is that when you use separate TurboTax accounts, the software treats them as separate returns by default, regardless of what filing status you select. For a true joint return, all the income and tax information from both spouses needs to be on the same Form 1040. Before you decide whether to amend or just file separately, I'd recommend using the IRS withholding calculator or a tax calculator to see which option gives you the better outcome. Sometimes the peace of mind of getting it "right" isn't worth the extra hassle if filing separately doesn't cost you much more in taxes.

Another sole proprietor here. Something nobody mentioned yet is that some receipts will fade over time (especially thermal paper ones)! I had a tax review once and couldn't prove an expense because the receipt had completely faded. Now I take photos of EVERY receipt immediately. For the original question though, I keep both receipts and invoices whenever possible. Better to have too much documentation than not enough if you ever get questioned by the IRS.

Great question and lots of helpful advice here! As someone who's been through several IRS audits as a sole proprietor, I want to emphasize one key point that might get overlooked: the IRS cares most about being able to verify that your expense was legitimate and business-related. Whether you keep a receipt or invoice matters less than making sure the document clearly shows: 1) What you purchased, 2) When you purchased it, 3) How much you paid, 4) Who you paid, and 5) That it was for business purposes. I've found that some invoices are actually better than receipts because they often include more detailed descriptions of services or products. For example, a Stripe invoice might show "Monthly subscription - Business accounting software" while the receipt might just show "Payment to Stripe - $29.99." One practical tip: if you're ever unsure about a particular expense, write a brief note on the back of the receipt/invoice explaining the business purpose. This has saved me multiple times during reviews. The IRS auditor appreciated having that context right there with the documentation. Keep doing what you're doing with tracking everything - that diligence will pay off!

Call the IRS Taxpayer Advocate Service. They can sometimes help when refunds are stuck like this. Number is 877-777-4778. Better than the regular IRS number.

I had this exact same issue with Capital One earlier this year! My transcript showed 846 with a DD date but nothing appeared for almost a week. Turns out Capital One has been processing tax refunds slower than usual this season - something about additional fraud verification checks they're doing on government deposits. Mine finally showed up 6 business days after the IRS date. The frustrating part is their customer service can't see anything until it actually hits your account, so they'll keep saying "no pending deposits" right up until it appears. Since you're only at 3 business days, I'd give it until early next week before worrying. The 846 code means the IRS definitely sent it!

Has anyone used TurboTax for a situation like this? I also just got my 1095 forms late but I already filed using TurboTax. Their help section is confusing me.

I'm dealing with something similar right now! Got my 1095-C form yesterday and immediately started panicking that I messed up my taxes. After reading through all these responses, I feel so much better knowing that as long as I correctly answered the health insurance coverage questions (which I did - I had employer coverage all year), I don't need to amend my return. Really appreciate everyone sharing their experiences here. It's reassuring to know this is a common situation and not some huge mistake that's going to get me in trouble with the IRS. Going to keep these forms with my tax records for next year just in case I need them for reference.

Is this a refund advance or did you get your refund through a tax preparer? SBTPG usually only gets involved when there's a third-party preparer who offered you a refund transfer product. Did your tax advocate mention anything about potential fees being taken out? Have you checked if the amount showing in SBTPG matches what you were expecting from your hardship release?

Congratulations on getting through the hardship process! That's often the most stressful part. Based on what you're seeing, you're in the final stretch. SBTPG typically processes funds within 1-2 business days of the date shown, so with 03/03/2025 being Monday, you should see the money in your account by Tuesday or Wednesday. Keep in mind that if you used a tax preparer who offered a refund transfer, there may be fees deducted from the total amount. I'd recommend checking your account first thing Tuesday morning, and if nothing shows by Wednesday afternoon, definitely call SBTPG directly. The waiting is nerve-wracking, but you're almost there!