


Ask the community...
I went through something very similar last year and ended up with FreeTaxUSA after comparing it with TurboTax and H&R Block. The filing status confusion is super common - I had myself listed as Single in one program and Head of Household in another without realizing it. One thing that really helped me was calling the IRS's automated phone line (1-800-829-1040) and using their Interactive Tax Assistant tool online to confirm my filing status before finalizing anything. Since you're a single parent, Head of Household is almost certainly correct if your child lived with you for more than half the year. For the state return differences, I found that FreeTaxUSA sometimes picks up on local tax credits that the bigger software companies miss or calculate differently. That $78 difference might actually be in your favor! I'd trust the software that asks more detailed questions about your specific situation. The $100 savings with FreeTaxUSA is definitely worth it if you've got the federal numbers matching now. Just make sure to use their review feature before filing - it's pretty thorough at catching any remaining discrepancies.
This is really helpful advice! I'm definitely going to check out that IRS Interactive Tax Assistant tool before I finalize everything. I've been so focused on comparing the software that I forgot there are official IRS resources to help verify filing status. You make a good point about FreeTaxUSA potentially picking up local credits that others miss. If they're asking more detailed questions about my county and situation, that might explain why the state calculation is slightly different. The $78 variance doesn't seem like much when you put it in perspective of potentially getting a more accurate return. Thanks for sharing your experience - it's reassuring to hear from someone who went through the same process and ended up happy with FreeTaxUSA. The $100 savings would definitely be nice, especially since my taxes aren't super complicated.
I've been through this exact same frustration! The standard deduction discrepancy you're seeing is almost certainly due to filing status differences between the programs. Since TurboTax and TaxAct both show $20,800, that's the Head of Household standard deduction for 2023, while FreeTaxUSA's $13,850 is the Single filer amount. As a single parent, Head of Household is likely the correct status for you if your child lived with you for more than half the year and you paid more than half the household expenses. Double-check this setting in FreeTaxUSA - it's easy to miss during initial setup. For the state return differences, don't stress too much if it's only $78 off now. State calculations can vary between software due to how they handle local taxes, credits, and deductions. FreeTaxUSA often asks more detailed location-specific questions, which might actually make their calculation more accurate. Given that your federal returns now match and you're saving $100, I'd say go with FreeTaxUSA. Just make sure to use their final review feature before filing - it's pretty good at catching any remaining issues. The interface might be clunkier, but the savings are worth it for straightforward returns like yours.
Has anyone actually had their OIC accepted when they couldn't provide spouse info? My tax guy told me they almost always reject these applications if you're missing any info they ask for.
I got one accepted last year without my ex's info. The key was documentation - I included our separation agreement (even though we weren't divorced), proof of separate addresses for 3+ years, separate bank accounts, and a notarized statement explaining the situation. Also included copies of emails showing I tried to get her cooperation. The IRS actually does have procedures for this exact situation.
I went through something very similar about 2 years ago - owed $28k and had been separated for 6 years but never officially divorced. My ex also refused to provide any financial information or cooperate at all. Here's what worked for me: I gathered every piece of documentation I could find to prove we were living completely separate lives. This included different addresses on utility bills, separate car insurance policies, different phone plans, bank statements showing no shared accounts, and even testimony from neighbors who could confirm we hadn't lived together in years. The most important thing was being completely honest and transparent with the IRS. I submitted a detailed written statement explaining the entire situation, including my attempts to contact my ex (I kept screenshots of unanswered texts and emails). I also included an affidavit stating that to the best of my knowledge, she had minimal income, but that I had no way to verify this. My OIC was initially put on hold for additional review, but after about 4 months, it was accepted at about 25% of what I owed. The key was showing that I made every reasonable effort to get the information but couldn't due to circumstances beyond my control. Don't give up - the IRS does have procedures for situations exactly like yours. Just make sure you document everything and be completely truthful about your attempts to get her cooperation.
I learned the hard way about the passive activity loss rules and depreciation. Make sure you're keeping detailed records of disallowed losses! When I sold my rental last year, I couldn't find my records showing which depreciation had been disallowed vs. allowed. The IRS assumed ALL scheduled depreciation had been taken, even though some was disallowed. Had to hire a tax pro to reconstruct 7 years of depreciation schedules and passive loss worksheets. Cost me $1,200 just for that service. Could have avoided it with better record keeping.
Great question about tracking disallowed depreciation! I've been using TaxAct for my rental properties and it has a pretty decent depreciation worksheet that carries forward the disallowed amounts from year to year. It shows both the calculated depreciation and what was actually allowed each year. But honestly, I also keep a separate Excel spreadsheet as backup. I track: (1) the full MACRS depreciation amount, (2) business use percentage each year, (3) calculated depreciation after business use adjustment, (4) amount actually allowed after passive loss rules, and (5) cumulative disallowed amounts carried forward. The key is making sure your tax software and your manual tracking agree each year. When you eventually sell, you'll need to prove which depreciation was actually taken vs. just calculated. The IRS doesn't care that your software "calculated" depreciation if the passive loss rules prevented you from actually taking it. Also recommend printing or saving PDFs of your depreciation schedules and Form 8582 (passive loss worksheet) each year. Digital files can get corrupted or lost, but you'll definitely need this documentation later!
This is exactly the kind of detailed tracking I wish I had started from day one! I'm dealing with similar depreciation issues on my small business equipment and realized I've been way too casual about record keeping. Quick question - when you mention Form 8582, does that automatically carry forward the disallowed passive losses to the next year, or do you have to manually track those amounts? I've been relying on my tax software to handle the carryforward but now I'm worried it might not be capturing everything correctly, especially with my changing business use percentages each year. Also, for the Excel backup tracking, do you update it throughout the year or just at tax time? I'm thinking I should start tracking my business use percentage monthly since it fluctuates based on seasonal changes in my work.
Random question - but does anyone know if changing your W-4 withholding triggers any kind of IRS flags or increases audit risk? I'm definitely overwithholding like the OP but nervous about making big changes.
Absolutely not. Changing your W-4 is completely normal and won't trigger any flags. People adjust their withholding all the time for various reasons - marriage, kids, new job, etc. The W-4 is just your best estimate of what you'll owe. As long as you're not severely UNDER-withholding (which can lead to penalties), adjusting to get closer to your actual tax liability is smart financial planning, not something that raises red flags.
That's a relief to hear! I've been overwithholding by about $250/month for years because I was worried that changing it might somehow get me in trouble. Definitely going to update my W-4 this week. Thanks for the explanation!
Your situation sounds very similar to mine from last year! With $102k income and getting a $4k refund, you're definitely overwithholding. I was in almost the exact same boat - making around $98k and getting back $3,800 every year. The key thing to remember is that the old W-4 system with "allowances" changed completely. The new form is much more precise if you fill it out correctly. I'd strongly recommend using the IRS Tax Withholding Estimator - it's free and will give you specific dollar amounts to put on each line of your W-4. One thing that helped me was calculating what my actual effective tax rate should be. For someone making $102k single with standard deduction, you're probably looking at around 12-13% effective rate, so your annual withholding should be closer to $12k-$13k instead of $15k. That means you could potentially increase your take-home by $150-250 per month! Just make sure to recalculate if you have any major life changes during the year. Good luck!
This is really helpful - thanks for breaking down the effective tax rate calculation! I'm new to understanding all this tax stuff and never realized how much I might be overpaying. Quick question: when you say "recalculate if you have any major life changes," what kinds of changes should I be watching out for? I'm pretty stable right now but want to make sure I don't mess this up once I adjust my withholding.
Sofia Morales
Does anybody know if buying snacks for the team after games counts as a deductible expense? I probably spent like $400 last season on post-game treats for my volleyball team.
0 coins
Andre Dupont
ā¢Generally, yes! If you're providing snacks for the entire team as part of your volunteer coaching role and aren't being reimbursed, those expenses can qualify as charitable contributions. The key factors are: 1) The organization must be a qualified 501(c)(3) 2) The expenses must be directly connected to your volunteer service 3) You must not receive any personal benefit from the expense 4) You haven't been reimbursed for these costs Team snacks typically meet these criteria. Just keep your receipts and perhaps a note of which game each purchase was for. This documentation will be important if you're ever audited.
0 coins
Giovanni Rossi
Great thread everyone! As someone who's coached youth tennis for 6 years, I want to emphasize the importance of keeping detailed records from day one. I learned this the hard way when the IRS questioned my deductions in year 3. A few additional tips from my experience: - Take photos of equipment you buy for the team (with receipts) showing it stays with the organization - Keep a simple log of volunteer hours even though you can't deduct time - it helps establish the scope of your volunteer commitment - If you travel to away tournaments, overnight travel expenses (hotels, meals) can also be deductible if the trip is primarily for volunteer purposes - Don't forget about uniforms or coaching gear you purchase that has the team/organization logo - these are clearly for volunteer use only The 14 cents per mile adds up fast when you're driving to multiple practices and games per week. Last year I deducted over $600 in mileage alone, plus another $300 in equipment and supplies. Just make sure your youth organization is actually a registered 501(c)(3) - you can verify this on the IRS website or ask them for their determination letter. Keep volunteering and helping these kids - the tax benefits are just a nice bonus for the great work you're already doing!
0 coins
Sophia Rodriguez
ā¢This is incredibly helpful! I'm just starting my first season coaching youth soccer and had no idea about most of these deductions. Quick question - when you mention taking photos of equipment, should I also document when I give it to the team? Like take a photo showing it's actually being used by the kids and not sitting in my garage? Also, for the mileage log, is there a specific format the IRS wants or is a simple spreadsheet with date, destination, and miles sufficient? I want to start tracking this correctly from the beginning rather than trying to recreate everything later like it sounds like you had to do!
0 coins