Omg I got so stressed about this last year! My as-of date changed SIX TIMES in two weeks and I was freaking out thinking something was wrong with my return. Called the IRS and waited 2 hours just to be told it was normal. Then my refund was delayed an additional 60 days for "verification" anyway. The changing dates meant nothing in the end. 😭 Don't let it stress you out like it did me!

I've been dealing with IRS transcripts for years as a tax preparer, and those as-of date changes are one of the most misunderstood aspects of the system. What you're seeing is completely normal - the IRS updates these dates based on internal processing milestones, not necessarily your return's actual progress. Here's what I tell my clients: treat the as-of date like a "last touched" timestamp rather than a progress indicator. Your return might sit untouched for weeks with the same as-of date, then suddenly jump forward when it hits an automated checkpoint, then revert when that process completes. For cash flow planning, I'd recommend focusing on the 21-day standard processing timeline from your filing date instead. The transcript dates will drive you crazy if you try to read too much into them. Keep an eye on actual transaction codes (especially 846 for refund issued) rather than the as-of dates.

FWIW it sounds like your husband's work might be using those new 2025 W-4P withholding tables incorrectly. I'm going through exact same thing with my payroll. New updated tables came out but our payroll company applied them in a way that's drastically reducing withholding for everyone. We literally had a company-wide meeting about it last week when everyone started noticing their withholding dropped to almost nothing overnight. Payroll is supposedly fixing it but said any underwithholding from earlier checks is basically our problem to deal with.

This is incredibly frustrating but unfortunately not uncommon right now. I work in HR for a mid-sized company and we've been getting similar complaints since the beginning of the year. What's likely happening is that your husband's employer's payroll system has a configuration error with the 2025 withholding tables. We discovered our system was incorrectly applying married filing status calculations that assumed significantly higher standard deductions than appropriate, resulting in dramatically reduced withholding amounts. A few immediate steps you can take: 1. Request that your husband's HR department provide documentation showing exactly how they calculated his withholding amount. They should be able to show the math. 2. File a new W-4 immediately with "Single" selected for withholding purposes (this won't affect how you file your actual return) and add extra withholding in step 4(c). 3. Document everything - keep copies of paystubs showing the incorrect withholding amounts, your communications with HR, etc. If HR continues to be unresponsive and multiple employees are affected, this may warrant a complaint to your state's Department of Labor. Employers have legal obligations to implement withholding correctly, and systematic errors affecting multiple employees can result in penalties for the company. Don't let them brush this off as "just how the system works" - withholding of pennies on thousands in wages is mathematically impossible under normal circumstances.

Does anyone know if the delay also applies to crypto transactions? I thought there was a similar reporting requirement going into effect for crypto exchanges to report transactions over $600.

This is really helpful information, thanks everyone! I've been using multiple payment apps for both personal and business transactions and was definitely confused about what I needed to track. One thing I'm still unclear on - if I'm doing freelance graphic design work and get paid through Venmo or PayPal, but I'm under the old $20K/200 transaction threshold, do I still need to report that income even without a 1099-K? I've been keeping my own records but wasn't sure if it was actually required to report without the form. Also, has anyone dealt with situations where clients pay you through multiple different apps? Like some pay through PayPal, others through Venmo, others through Zelle - does each platform track separately for the threshold, or is it somehow combined?

This is a really frustrating situation, but you're not alone - many employers are struggling with the updated W-4 system. Here's what I'd recommend: 1. **Don't let them force the "single" selection** - that's incorrect and will cause ongoing problems. As others mentioned, print out the official IRS W-4 form, fill it out correctly as "married filing jointly," and hand-deliver it to HR. 2. **Use the Two Earners/Multiple Jobs Worksheet** - with your combined income of ~$92k, you're likely in a higher tax bracket than the standard withholding tables account for. This is probably why they're taking $212 now - it might actually be close to correct. 3. **Check your math for the year** - with only $31 withheld federal taxes so far on a $27k income, you're significantly underwitheld. Even if his effective tax rate is just 10%, that's $2,700 in federal taxes for the year, meaning you're already behind by thousands. 4. **Consider making an estimated payment** - don't wait until next April to discover you owe a huge amount plus penalties. Use Form 1040-ES to make a payment directly to the IRS now. The $212 withholding might feel like a shock, but it's likely much closer to what should have been happening all along. Better to fix it now than face a massive tax bill later!

I went through almost the identical situation with my employer last year! The "select single even though you're married" thing is unfortunately common with older payroll systems that haven't properly updated for the 2020 W-4 changes. Here's what worked for me: I printed out the official IRS W-4 form from irs.gov, filled it out correctly as "married filing jointly" and checked the box in Step 2(c) for two earners, then hand-delivered it to HR with a note saying "Please process this official IRS form as submitted." When they pushed back, I politely but firmly told them that forcing employees to select incorrect filing statuses violates IRS guidelines. The $212 withholding actually might be close to correct given your combined income. With you making $65k total and your husband making $27k, you're looking at roughly $92k household income, which puts you in a higher bracket than what standard withholding tables assume for individual jobs. Don't panic about the underwithholding so far, but definitely address it soon. I'd recommend using the IRS Tax Withholding Estimator to see exactly where you stand for the year, then either increase his withholding even more for the remaining pay periods OR make an estimated tax payment using Form 1040-ES. The next estimated payment deadline is June 15th, but you can pay anytime online through IRS Direct Pay. You've got this - it's frustrating but totally fixable!

Quick question - what tax software did your professional use? I'm wondering if certain programs handle this situation better than others.

This is a really important issue that more people need to be aware of! I work for a large corporation with offices in multiple states, and my W2 always shows our main headquarters address even though I've never set foot in that building. For anyone reading this thread - definitely don't assume your tax preparer will automatically know to ask about your actual work location. I learned this the hard way when I moved from one branch office to another mid-year and had to file taxes in two different cities. The W2 looked exactly the same for both locations! My advice: always bring documentation of where you physically worked to your tax appointment, even if it seems obvious to you. Save emails, parking passes, building access logs, anything that shows your actual work location. It's much easier to provide this upfront than to deal with penalties and audits later.