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OP - was this your first time using Current bank for tax refund? Wondering if its worth switching from my traditional bank if I'd get my refund faster next year.
Yep, first time! Used to use Chase and they always made me wait until the exact DDD date. Current definitely released it earlier which was nice.
awesome, thx. might switch before next tax season!
Nice! I'm jealous - filed around the same time as you but still stuck waiting. The combination of H&R Block taking their fees out first and Current releasing funds early sounds like it worked out perfectly for you. Did you get any notification from the IRS about the early release or did you just find out when H&R Block emailed you? I'm trying to figure out if I should expect mine early too or if I'm stuck waiting until my official DDD.
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Does anyone know if the 10-year rule applies in this situation or if you can stretch the distributions? I inherited my dad's IRA in 2022 also and my financial advisor is telling me I HAVE to empty it in 10 years, but I'm seeing conflicting info online.
The rules changed with the SECURE Act, but there are exceptions. If the original owner died after their Required Beginning Date (when they had to start RMDs), beneficiaries still need to take annual RMDs AND empty the account within 10 years. If they died before their Required Beginning Date, non-spouse beneficiaries just need to empty the account within 10 years, with no annual RMDs required during that period.
The complexity of your situation actually highlights why many people struggle with inherited IRA rules. Since your father was 75+ when he passed in January 2022, he was definitely required to be taking RMDs, which means you'll need to continue taking annual distributions while also emptying the account within 10 years. The good news is that the IRS has been relatively lenient with inherited IRA penalties during 2022-2023 while they finalized regulations. Your court documentation showing when you actually gained control of the assets will be crucial evidence if any penalties are assessed. Here's what I'd recommend: First, contact the IRA custodian immediately to get a complete distribution history for your father's account - you need to know if he missed any RMDs before his death. Second, calculate your 2024 RMD based on the account balance as of December 31, 2023, and take it before year-end. Third, document everything related to your legal battle for control of the estate. The fact that you couldn't access the funds until 2024 due to legal proceedings should provide reasonable cause for any missed distributions. Just make sure you're current going forward and keep all your court documentation.
This is really helpful advice, thank you! I'm definitely going to contact the IRA custodian first thing Monday to get that distribution history. One question - when you mention calculating my 2024 RMD based on the December 31, 2023 balance, how do I figure out what that balance should be if my dad potentially missed RMDs before he died? Do I use the actual balance on that date, or do I need to calculate what it would have been if he had taken proper distributions? Also, since I only got control of my portion in June 2024 when it was rolled into the Inherited IRA, should I be calculating based on the full original account balance or just my 50% share?
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Has anyone actually had issues with contributing to a 401k through a part-time job? My main employer doesn't offer a 401k but my weekend gig does, and I'm wondering if there's anything special I need to know.
I've been doing this for years - contributing to a 401k through my part-time teaching job while my main job doesn't offer one. The only thing to watch for is the annual contribution limit applies across ALL your jobs combined. So track your contributions carefully if you ever change how much you're putting in.
Thanks for the insight! That's good to know about the combined contribution limit. Did you find it affected your tax situation in any unexpected ways compared to if you had contributed through your main job?
Great question about contributing through a part-time job! I've been in a similar situation where my main employer didn't offer a 401k but my side job did. Tax-wise, it actually works exactly the same as if you contributed through your main job - the pre-tax contributions reduce your AGI dollar for dollar regardless of which employer's plan you use. The only real difference is that your W-2 from the part-time job will show the reduced wages in Box 1, while your main job's W-2 won't have any 401k deductions. When you file your taxes, the software just adds up all your Box 1 amounts from every W-2, so the AGI reduction happens automatically. One thing to be aware of is that if your part-time job has lower wages, you might not be able to contribute as much as you want (since contributions can't exceed your wages from that specific job). But it sounds like that's not an issue for you since you were able to contribute $15,600!
That's a really helpful explanation! I'm actually in a similar boat - my main job doesn't offer retirement benefits but I picked up a part-time remote position that has a great 401k plan with matching. One thing I'm curious about - does the employer matching from the part-time job show up anywhere special on the W-2, or does it just not factor into the AGI calculation at all? I want to make sure I'm not missing anything when I track my total retirement savings for the year.
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If your trust is really simple, I've used TurboTax Business for my family's trust for the past 3 years. It's not cheap (around $200) but still way less than an accountant. The interface is pretty easy if you have basic info like: - Trust's income sources (interest, dividends, etc) - Any expenses the trust paid - Info about distributions to beneficiaries Just make sure you have the right TurboTax version - the regular one won't do 1041s.
Thanks for the TurboTax suggestion. The $200 price tag is definitely more reasonable than $850! Is there a significant learning curve the first time you use it for trust returns? I'm trying to gauge how much time I should set aside to figure this out.
The first year took me about 3 hours to get everything set up and understand how the trust taxation works. The software walks you through everything step by step, but there are some trust-specific concepts that take a bit to wrap your head around. The second and third years were much faster - maybe 45 minutes total since all the trust's basic information was already saved in the system. If your trust has straightforward income like interest or dividends, it's pretty manageable. The only tricky parts tend to be understanding when income is taxed at the trust level versus passed through to beneficiaries.
Gonna throw out a different suggestion - check if your local library has a VITA (Volunteer Income Tax Assistance) program. Some locations have volunteers certified to do basic trust returns, especially if the trust income is mainly from interest, dividends, or basic investments. Totally free service and might be worth checking into!
VITA programs typically only handle basic 1040s with income under certain limits. I've never seen one that handles fiduciary returns like 1041s for trusts. Are you sure about this info?
Emma Anderson
Is there any way to edit the TXF file directly instead of doing this workaround? I'm comfortable with text editing if that would be easier than creating two separate K-1s in the software.
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Zainab Ibrahim
•You actually can edit the TXF file directly if you're comfortable with text editing! I tried this approach too. TXF files are basically formatted text files, and you can open them with Notepad or any text editor. Look for the sections related to your K-1, and you'll see entries for each box. You can create a duplicate of the partnership entry with a slightly different name, then remove line 2 from the original and remove everything except line 2 from the copy. It's a bit technical but doable if you're careful.
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Jessica Suarez
This is exactly the kind of detailed walkthrough I wish I had when I first encountered this issue! I've been dealing with similar TXF import problems with my Kinder Morgan K-1 for the past two years and have been manually entering everything instead of using the import feature. One question about step 4 in your process - when you mention using a "slightly different partnership name" for the rental real estate portion, does this affect how the software handles carryover losses from previous years? I'm worried about breaking the connection to my prior year data if I change the name too much. Also, have you noticed any issues when you go to file electronically? I'm always paranoid that having what appears to be "two different partnerships" might trigger some kind of validation error with the IRS systems, even though it's really just one K-1 split across two schedules. Thanks for sharing this solution - it's going to save me hours of manual data entry this tax season!
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