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Taylor Chen
One more thing to consider: if your wife becomes a resident alien through the substantial presence test in the future (basically by living in the US long enough), you won't need to make the special election anymore, but you'll still file jointly. And heads up that you'll need to continue making the election every year until she either becomes a resident alien or gets a green card!
Yep, and don't forget that with the election, you're basically telling the IRS "treat my spouse as if they lived in the US all year" - even if you got married in June like the OP.
Taylor Chen
ā¢Exactly right! The election applies to the entire tax year, regardless of when during the year you got married. That's actually a benefit in most cases, especially with a spouse who has no income, because you get the full married filing jointly tax brackets and standard deduction for the whole year.
Natalie Wang
This thread has been incredibly helpful! I'm in a similar situation but with a twist - my husband is from Canada and we got married in December. I'm curious about one thing that hasn't been mentioned yet: does the timing of when you got married during the tax year affect anything? Also, for anyone who went through this process, how long did it typically take to get the ITIN approved? I'm worried about filing delays since we're cutting it close to the deadline. And a quick question about that FBAR reporting - if my husband has a joint account with his parents back in Canada that he's technically on but doesn't really use, does that count toward the $10k threshold? The account has way more than $10k but it's not really "his" money.
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Has anyone here had experience with how stock options and RSUs impact the safe harbor calculations? My base salary is about the same as last year, but I'm exercising some options in December that will add about $45k to my income. Will that mess up my safe harbor protection?
When you exercise options, your employer should withhold taxes automatically - typically at the supplemental wage rate of 22% (or 37% for amounts over $1M). But that might not be enough depending on your tax bracket. The safe harbor is based on total tax, not just your W-2 income tax. So those options could definitely push you over the safe harbor threshold if not enough is withheld. You might want to increase your withholding on your regular paychecks to compensate, or make an estimated payment.
Great question about safe harbor rules! You're absolutely on the right track. Since you paid $65,000 last year and have already withheld over $71,500 this year, you've met the safe harbor requirement (assuming your AGI was over $150k, making it the 110% rule). One thing to keep in mind though - while you're protected from underpayment penalties, you'll still want to estimate what you might owe and consider whether you want to adjust your withholding for the remaining months. If you end up owing a large amount in April, it can still be a cash flow challenge even without penalties. Also, with a significant raise, double-check if any of your deductions or credits might phase out at your new income level. Sometimes people forget about things like student loan interest deduction limits or retirement contribution phase-outs that can increase your effective tax rate beyond just the bracket change.
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Just to clarify something important - when you select "non-covered" in TurboTax for your crypto, make sure you're still entering accurate cost basis info on your 8949. Non-covered doesn't mean the IRS doesn't care about the details - it just means the exchange isn't reporting the cost basis directly to them. You're still 100% responsible for accurate reporting. I'd recommend double-checking the calculations from bitcoin.tax, especially if you've done any tax loss harvesting or have transactions across multiple exchanges.
QuantumLeap
ā¢If they're non-covered, do I still need to include all the individual transactions on my 8949 or can I just enter the totals for short-term and long-term? Bitcoin.tax gives me both options.
You should still include all individual transactions on your 8949, even for non-covered assets. While summarizing might seem simpler, having the detailed transaction history is crucial if you ever get audited. TurboTax should allow you to either enter them manually or import them. If you have a lot of transactions, you can actually attach the detailed 8949 from bitcoin.tax as a PDF supplement to your return and just enter the totals in the main forms. Just make sure the attached 8949 has complete information including dates, cost basis, proceeds, and whether each transaction was short or long term.
Does anyone know how staking rewards should be reported? Are those also non-covered? I've been getting various amounts of crypto from staking throughout the year and I'm confused about how to report both the income portion and the capital gains when I eventually sold some.
Zara Ahmed
ā¢Staking rewards are generally considered income at their fair market value when received. So you report them as "Other Income" and then that becomes your cost basis. When you later sell, that's a separate capital gain/loss transaction - also non-covered since it's crypto. It's a pain but you need to track the value of each reward when received, then track the gain/loss when sold.
Thanks for explaining! So if I was getting like small amounts of ETH every day from staking, I need to track the value of each daily drop as income? That sounds like a ridiculous amount of work. No wonder everyone hates crypto taxes.
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Paolo Marino
This happened to me two years ago! Don't panic - there's a simple explanation. When I called FreeTax customer service, they explained that they use Republic Bank for all their refund transfers. The routing number ending in 7418 is from Republic Bank - they're the financial institution that processes all of FreeTax's refund transfers. The process takes about 1-2 weeks total from when the IRS approves your refund until the money shows up in your actual bank account. It's annoying that they don't explain this clearly during the filing process!
Amina Bah
ā¢I had Republic Bank handle my refund transfer with a different tax prep service, and the money was transferred to my personal account within 3 business days after the IRS sent it. Maybe FreeTax has a different timeline?
Jason Brewer
I just went through this exact same situation with FreeTax a few weeks ago! Like everyone else has mentioned, that different bank account number is completely normal when you choose to pay filing fees from your refund. What I found helpful was checking both the IRS "Where's My Refund" tool AND logging into my FreeTax account online to track the status. The FreeTax portal actually shows when they receive the refund from the IRS and when they forward it to your personal account after deducting their fees. In my case, once the IRS sent my refund (which showed as "sent" on their website), it took exactly 4 business days for the money to appear in my actual bank account. The routing number you mentioned ending in 7418 does sound like Republic Bank, which is the third-party processor FreeTax uses. One tip: make sure you have the correct bank account info saved in your FreeTax profile, since that's where they'll send the remainder after taking their fee. You can double-check this in your account settings. The whole process was nerve-wracking at first, but it worked exactly as described!
Ryder Ross
I had the exact same thing happen! My transcript was showing future dates and blank info for weeks. Turns out those "F" codes usually mean there's some kind of flag on your return that needs manual review. The February dates don't necessarily mean you'll wait that long - mine updated way before the date it was showing. Just keep checking weekly and try not to stress too much about the weird dates, the IRS system is honestly just confusing as heck š
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Evelyn Kelly
ā¢Thanks for sharing your experience! That's actually really reassuring to hear that yours updated before the date shown. I've been driving myself crazy checking it every day thinking something was wrong. Good to know the F codes are just flags for manual review and not some kind of rejection or major issue. Definitely going to try checking weekly instead of obsessing over it daily š
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Fatima Al-Maktoum
I'm dealing with the same exact thing! My transcript has been blank for weeks and showing these weird future dates that don't make any sense. It's so frustrating because you just want to know what's going on with your refund but the IRS system gives you these cryptic codes and dates that seem totally random. I've been checking mine obsessively too but after reading everyone's responses I think I need to chill out and just check weekly like the tax pro suggested. At least it sounds like we're not alone in this - seems like a lot of people are seeing similar glitches and delays this year.
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