Still waiting here too with a 2/24 DDD and Chime! I've been obsessively checking both my Chime app and my IRS transcript. My transcript shows code 846 with the refund issued date, so I know it's been processed. Based on what everyone's saying, it sounds like it really varies - some people get it 2-3 days early, others right on the DDD. I'm trying not to get my hopes up too much since it seems like the IRS sends these in batches throughout the day. Fingers crossed we all see our deposits soon! The waiting game is brutal when you're constantly refreshing your banking app 😅

I'm in the exact same situation! DDD of 2/24 with Chime and checking my account obsessively. Just saw that a few people have already gotten theirs today, so I'm cautiously optimistic. It's reassuring to see others getting their deposits 2 days early - gives me hope mine will hit tomorrow or Friday at the latest. The waiting is definitely the hardest part, especially when you see some people already celebrating their deposits! Thanks for asking this question, it's helpful to see everyone's experiences with Chime's early deposit feature for tax refunds specifically.

One thing nobody mentioned - make sure your brother opens all mail from the tax authority and responds to everything by the deadlines! My cousin ignored those notices thinking they'd "go away" and ended up with a tax warrant that could have been avoided with a simple response.

I understand how stressful this must be for you! The good news is that you're not responsible for your brother's tax debt just because you claimed him as a dependent. Tax dependency is strictly about qualifying for tax benefits - it doesn't create any legal liability for the dependent's separate tax obligations. However, I'd strongly recommend helping your brother address this sooner rather than later. $7,800 might not seem huge now, but with penalties and interest, it grows fast. Most state tax agencies are actually pretty reasonable if you contact them proactively to set up payment arrangements. Also, make sure he updates his address with Nevada immediately so he doesn't miss any more important notices. Missing deadlines can turn a manageable situation into a much worse one with additional penalties or even warrant issues. Your finances should be completely protected, but getting your brother's situation resolved will give you both peace of mind.

Has anyone successfully claimed R&D credits for software development projects? We have a fintech app that required significant experimental development to integrate with banking APIs. Would this qualify? And what kind of documentation should we be keeping?

As someone who's been through several R&D credit audits, I can't stress enough how important it is to maintain contemporaneous documentation even for original returns. While the IRS may not require you to submit detailed documentation with your original filing, having organized records from day one makes everything smoother if you're selected for examination. I recommend creating a simple tracking system where you document: 1) What technical uncertainty or challenge you were trying to solve, 2) The systematic approach you took to address it, 3) Who was involved and their time allocation, and 4) All related expenses. This doesn't have to be overly complex - even a simple spreadsheet with project descriptions and time logs can be incredibly valuable. The worst thing that can happen is being audited and scrambling to recreate documentation after the fact. The IRS auditors I've dealt with are much more receptive when you can show them organized, contemporaneous records that clearly demonstrate qualified research activities.

To all those having trouble reaching a human at IRS. I just ran across this video that gave me a shortcut to reach a human. Hope it helps! https://youtu.be/_kiP6q8DX5c

This happened to me too Teresa! The amount disappearing with topic 152 is actually pretty normal during processing. Mine disappeared for about 10 days then came back with a deposit date. The 152 code just means they're reviewing your return - could be random verification or just normal processing delays. I'd give it another week or two before worrying. If your transcript shows no error codes, that's a good sign that nothing is seriously wrong with your return.

Has anyone actually had their passive losses audited? I've been carrying forward suspended passive losses for years (about $22k now) but honestly I'm not sure if I've been tracking them correctly between my different rental properties.

The interaction between passive losses and capital gains can be tricky, but you're on the right track with your understanding. Here's what I've learned from dealing with similar situations: For your capital gain netting question - yes, you can absolutely net your $195K passive capital gain against your $182K crypto losses. The IRS doesn't distinguish between passive and active sources when it comes to capital gain/loss netting. You'll end up with a $13K net capital gain. Regarding your passive losses, since you're disposing of a rental property with an overall gain, this triggers the "complete disposition" rule that allows you to free up your suspended passive losses. You should be able to deduct both your current year $52K passive losses and your $78K suspended losses (total $130K) against any type of income, not just passive income. One thing to watch out for - make sure you're properly documenting which specific property generated those suspended losses. The IRS can be picky about this during audits. Also, don't forget that the $105K depreciation recapture portion will be taxed differently (at 25% max rate) than the remaining capital gain portion. I'd strongly recommend getting this reviewed by a tax professional given the complexity and the dollar amounts involved. These passive activity rules have so many nuances that even small mistakes can be costly.