I'm in a very similar boat! Got my verification letter yesterday (also dated over a month ago - seems like there's a serious mail delay this year) but my transcript updated two days ago. I called the verification line this morning and actually got through after about 45 minutes on hold. The agent told me that since my transcript is already showing processing codes, I don't need to complete verification unless I see those 570/971 codes come back. She said the automated systems caught up and cleared my return without manual verification needed. Might be worth trying the phone line again - I called right at 7am EST and got through relatively quickly compared to other times I've tried.

This happened to me last year! The key thing to understand is that the IRS has multiple verification pathways running simultaneously. Sometimes their automated fraud detection systems will clear your return while the manual verification letter process is still chugging along in the background. If your transcript updated and shows processing codes (like 150 or 846), that's the most reliable indicator that your return is moving forward. The transcript system is updated in real-time, while letters can be delayed by weeks due to printing and mailing backlogs. That said, I'd still recommend completing the verification if you can get through - it only takes about 10 minutes and gives you peace of mind. But don't panic if you can't reach them immediately. Your transcript update is a very positive sign that the system has already authenticated your return through other means.

Did you by chance enter those HSA contributions TWICE? Like once through the W-2 section and again in the HSA deduction section? I made this mistake last year and it caused issues. TurboTax should show the contribution in "Your Tax Breaks" if you made post-tax contributions directly to your HSA. But if they were all made pre-tax through payroll deduction, they won't show there because they've already been excluded from your taxable income on your W-2.

I had this exact same issue last year and it drove me nuts! After reading through all these helpful responses, I want to add one more verification step that helped me feel confident everything was correct. Go to your actual tax return preview in TurboTax and look at Line 13 on your Form 1040. Your adjusted gross income (AGI) should already reflect the reduction from your HSA contributions if they were made pre-tax through payroll. Compare this AGI to what your gross income would have been without the HSA contributions - the difference should match your contribution amount. Also, I learned that if you ever want to contribute MORE to your HSA beyond what your employer deducts, you can make additional contributions directly to your HSA provider up until the tax filing deadline (April 15th) and those WILL show up as a separate deduction in the tax breaks section since they're post-tax contributions. The key thing is that you're getting the tax benefit either way - it's just a matter of whether it happens upfront through payroll exclusion or as a deduction when you file your return.

Has anyone used TurboTax to try to claim this? I feel like it used to let me enter unreimbursed job expenses but now I can't find where to do it.

Just wanted to add some clarity here since there's been a lot of discussion about different options. The bottom line is that for most W-2 employees, you cannot deduct personal cell phone expenses on your federal tax return for 2024 - this has been suspended since 2018 and continues through 2025. However, there are a few legitimate options worth exploring: 1. **State returns**: Some states still allow these deductions even though federal doesn't. Check your specific state's rules. 2. **Employer reimbursement**: This is really your best bet. Document your work usage percentage and approach HR with a business case. Many companies will reimburse at least partially once they understand the cost. 3. **Mixed employment status**: If you have any self-employment income (1099 work, side business, etc.), you may be able to allocate a portion of phone expenses to Schedule C. For documentation, you don't need to log every single call and text. The IRS generally accepts reasonable estimates if you can show how you calculated your work vs. personal usage percentage. Keep records of your method and any supporting documentation. The key is being realistic about your work usage percentage and having a logical way to support that number if questioned.

Has anyone considered the potential audit risk with this strategy? I'm interested in using the 14-day rule but worried about increased scrutiny.

This is exactly the kind of documentation challenge I faced when I first started implementing the 14-day rule! One thing that really helped me was creating a standardized checklist for each meeting type to ensure I never missed any required documentation. For board meetings, I always include: formal agenda, attendee list with titles, meeting minutes with specific business decisions, photos of the meeting setup, and copies of any documents reviewed or approved. For strategic planning sessions, I document: specific business objectives discussed, market analysis or financial data reviewed, strategic decisions made, timeline commitments, and follow-up action items with assigned owners. For training sessions, I track: learning objectives, curriculum or materials used, attendee participation records, skills assessments or certifications earned, and how the training relates to business operations. I also keep a master calendar showing all 14 days used throughout the year with brief descriptions to ensure I never accidentally exceed the limit. The IRS wants to see that these are legitimate business meetings, not just casual get-togethers, so the more specific your documentation, the better. One last tip: I always have my business write me a check specifically marked "home rental - business meeting [date]" rather than lumping it in with other payments. This creates a clear paper trail that's easy to follow during any review.

Former DOR employee here. One thing to clarify - "net income" definitions vary slightly between states. Most want Line 21 from 1120S, but some states (like CA and NY) have their own calculation that starts with Line 21 and adds back certain items. Call your specific DOR office and ask exactly which line they use for "net income" on THEIR form. Will save you tons of headache.

Just went through this exact situation last month! The confusion is totally understandable because different agencies sometimes use "net income" differently. For most state DOR payment plans, you'll want Line 21 (ordinary business income/loss) from your Form 1120S - this shows your actual business profit after all deductible expenses. However, I'd strongly recommend calling your specific state's DOR payment plan department to confirm. Some states have their own modifications to this number. When I called, they told me exactly which line to use and even emailed me a worksheet showing the calculation. It's worth the phone call to avoid having your payment plan delayed or rejected for using the wrong figure. Also, make sure you have your most recent filed return - sounds like that would be your 2023 Form 1120S in your case. Good luck getting it sorted out!