Has anyone else noticed that the TPG PRODUCTS SBTPG LLC fee has increased this year? Last year it was $39.95 but this year they charged me $44.95! That's a crazy increase for literally the same service.

I went through this exact same situation last year and it was so frustrating! The TPG PRODUCTS SBTPG LLC charge is indeed the refund transfer fee that TurboTax charges when you choose to have their preparation fees deducted from your refund instead of paying upfront. Here's what I learned: TurboTax does disclose this fee during the payment selection process, but it's buried in the fine print and easy to miss when you're rushing through the filing. The fee has gone up over the years - it used to be around $35 but now it's closer to $45. For your current situation, you can try calling TurboTax customer service and explaining that you didn't realize you were agreeing to this additional fee. Some people have had success getting a one-time courtesy refund, especially if you explain that the disclosure wasn't clear to you. For next year, definitely pay the preparation fees directly with a credit card to avoid this charge entirely. The "convenience" of having fees deducted from your refund really isn't worth the extra $40+ they charge. I also started keeping much better track of all the fees during the filing process - it's amazing how they add up when you're not paying attention!

check if ur bank info was entered correctly on the return. Had similar situation last year and turned out I typed one number wrong in my account number smh

Don't panic yet! March 13th was only about a week ago, and refunds can take up to 21 days to hit your account even after the 846 code shows. Banks sometimes hold deposits for a few extra days too, especially larger amounts. Since you've already confirmed your bank info is correct, I'd give it another week before getting worried. The IRS systems have been running slower this year with all the processing changes. Your transcript looks normal - that 846 code on 3/13 is definitely your refund being sent out. If nothing shows up by March 27th (2 weeks from issue date), then definitely call the IRS refund hotline at 1-800-829-1954. But honestly, I bet it'll show up in the next few days! 🤞

mine switched from still processing to processing after 8 weeks and got my ddd 2 days later! there is hope yall!!

This is such a helpful breakdown! I've been seeing "still processing" for 3 weeks now and was starting to panic. Based on what everyone's sharing here, it sounds like I just need to be patient and maybe check for any letters on my transcript. Really appreciate all the real experiences being shared - way more helpful than the generic IRS website info!

been waiting since February... welcome to the party 😭

I feel your pain! Been there myself and the waiting is brutal. Just to confirm what others said - you definitely won't get your refund before the 846 code shows up. That code literally means "refund issued" so it has to appear first. 3 weeks isn't too bad yet though - the IRS says to allow 21 days for e-filed returns. If you hit the 21 day mark and still nothing, then you can start digging deeper into what might be causing the delay. Hang in there!

As someone who went through a similar situation when I moved to the US for work, I can share what I learned the hard way. The key insight that saved me was understanding that tax residency and citizenship are completely separate concepts in US tax law. When I first arrived on my L-1 visa, I made the mistake of thinking I only needed to report US income. After consulting with a tax attorney who specializes in expat situations, I discovered that once you meet the substantial presence test (which happens quickly when you're here on a work visa), you're taxed as a US resident on worldwide income. Here's what I'd strongly recommend: 1. Get professional tax advice from a CPA who specializes in international tax and crypto - this isn't a DIY situation 2. Use proper crypto tax software to handle your transaction volume (the recommendations above for taxr.ai seem solid) 3. Consider whether restructuring your trading as a US business entity might provide better compliance and potential deductions 4. Look into tax treaties between the US and Canada that might help avoid double taxation The offshore corporation route you're considering is extremely risky. Even if structured "correctly," the compliance burden (FBAR, Form 8938, potentially Form 5471) is massive, and the penalties for getting it wrong are severe. The IRS has gotten very sophisticated at tracking crypto transactions across international boundaries. Your trading volume actually makes compliance easier in some ways - with proper software, bulk processing is more efficient than trying to handle smaller volumes manually. Focus on legitimate tax efficiency strategies rather than avoidance schemes that could jeopardize your visa status and future immigration prospects.

I work in tax compliance for a major accounting firm and handle several high-volume crypto traders in similar situations. The offshore Cayman structure you're considering is essentially a red flag for the IRS - they have specific anti-avoidance rules targeting exactly this type of arrangement. Here's the reality: as a US tax resident (which you likely are under the substantial presence test), you're required to report worldwide income regardless of where the trading occurs or what entity owns the accounts. The IRS has substantially increased enforcement around crypto in recent years, and they're particularly focused on international arrangements. What you should focus on instead: 1. **Proper software is non-negotiable** - With your volume, manual tracking is impossible. The recommendations above for taxr.ai are spot-on for high-frequency trading. 2. **Consider trader tax status** - If you qualify as a "trader in securities" (which crypto may qualify for), you can deduct trading expenses and potentially use mark-to-market accounting, which simplifies year-end reporting. 3. **Professional guidance is essential** - Your situation involves international tax, high-volume trading, and visa status implications. A specialized CPA will save you money long-term. 4. **The compliance burden of offshore structures is massive** - Even if legally structured, you'd need to file Forms 3520, 5471, FBAR, 8938, and potentially others. The penalties for errors often exceed any potential tax savings. The good news is that legitimate tax optimization strategies exist for high-volume traders that don't involve the risks of offshore arrangements. Focus on compliant solutions rather than schemes that could jeopardize both your tax status and visa situation.