For anyone trying to check their refund status through TPG: • Go to https://taxpayer.sbtpg.com/ • You'll need your SSN, filing status, and refund amount • The "Payment Status" section shows where your money is in their process • "Pending" means they received it but haven't processed it yet • "Funded" means they've sent it to your bank Also, be aware that some banks hold deposits for 24-48 hours after receiving them, so there could be additional delay on your bank's end too.

Thanks for sharing your experience, Rita! I'm dealing with the exact same situation right now. Filed on February 8th, accepted same day, IRS approved on February 25th with a deposit date of March 3rd. It's now March 9th and still showing "pending" on the TPG site. What's really annoying is that nowhere during the TurboTax filing process do they clearly explain that choosing to pay fees from your refund means your money goes through this third-party processor first. They make it sound like a simple convenience fee, not a potential week+ delay in getting your money. I called my bank to make sure it wasn't an issue on their end, and they confirmed they haven't received anything yet. So it's definitely stuck in TPG limbo. Really hoping it processes this week because like you, I have bills coming up that I was counting on this refund for. The stress of not knowing when it'll actually arrive is the worst part!

Does anyone know if theres a diff between "exemptions" and "allowances"? My hr dept still uses an old form that says exemptions but everyones talking about allowances and the new W4... so confused right now lol.

Hey Everett! I was in almost the exact same situation last year - 24, single, making around $45k. The confusion is totally understandable since they changed everything recently. Here's what I learned: forget about "exemptions" - that's old terminology. The current W-4 (redesigned in 2020) doesn't use allowances or exemptions anymore. Instead, it asks specific questions about your situation. For someone like you (single, one job, $42k), you'd typically just fill out Steps 1 (personal info) and 5 (signature). That's it. This gives you standard withholding that should get you close to breaking even at tax time. If you want to factor in your student loan interest deduction, you could add that estimated amount in Step 4(b) "Deductions" to reduce your withholding slightly and get a bit more in each paycheck. The key is finding the sweet spot where you don't owe much or get a huge refund. At your income level, even a $1,500 refund means you're missing out on $125/month that could go toward paying down those student loans faster. But you also don't want to owe more than you can handle come April. I'd recommend starting with the basic form (just Steps 1 and 5) and see how your first few paystubs look, then adjust if needed.

Has anyone used the free NOL webinars that the IRS offers? I saw they have some coming up next month, but wondering if they're worth the time or if they're too basic for complex situations like this?

I went through this exact same confusion last year with my Schedule E and NOL calculations. The key insight that finally clicked for me is that you need to think of these as separate layers of limitations that apply in a specific order. Your PYA basis carryover gets applied first to determine your current year allowable passive losses. This flows through Schedule E to your Form 1040. Then, if your total deductions exceed income after all these calculations, you'd have an NOL subject to the 80% limitation. What really helped me was creating a simple worksheet to track each step: 1. Calculate current year passive income/loss 2. Apply PYA basis carryover to increase allowable losses 3. Flow net result to Form 1040 4. Calculate total taxable income 5. If negative, apply 80% NOL limitation for carryforward The IRS instructions make it sound way more complicated than it actually is once you understand the sequence. Don't let it drive you crazy - you're on the right track asking these questions!

Try calling early in the morning right when they open - like 7:01am eastern. That's when I finally got through after weeks of trying. Found out they were just waiting on verification of my self-employment income. Never would have known without actually speaking to someone.

I'm dealing with almost the exact same situation! Filed in early March, got the CP05 letter in June, and have been seeing the 810 freeze code on my transcript since then. It's so frustrating not knowing what's actually happening or how much longer this will take. From what I've gathered reading through all these comments, it sounds like the freeze could be related to income verification or credit verification (I also claimed the Child Tax Credit for the first time this year). I'm torn between waiting it out like the CP05 letter says or being proactive and trying to call. Has anyone had success getting specific information about what exactly triggered their review when they called? I don't want to waste hours on hold if the agents can't tell me anything more than "keep waiting.

I'm going through the exact same thing right now! Completed my ID.me verification on March 12th after being asked to verify due to filing Head of Household for the first time (also went through a divorce last year). It's been 2 weeks and still showing the first bar on WMR with no transcript updates. The waiting is honestly the worst part - especially when you're dealing with divorce expenses and really need that money. From what I'm reading here, it sounds like 3-4 weeks is pretty typical, so hopefully we'll both see movement soon. Has anyone had luck calling the Taxpayer Advocate Service if it goes beyond the normal timeframe?

I'm going through this exact same situation right now! Just completed my ID.me verification on March 15th after they flagged my return for identity verification. Like many of you, I'm also filing Head of Household for the first time due to a recent divorce (finalized in January). It's been 10 days now and still stuck on the first bar of WMR with transcripts showing N/A. The waiting is absolutely brutal, especially when you're already dealing with divorce-related financial stress. Reading through everyone's experiences here is actually really reassuring - it sounds like 3-4 weeks is pretty normal, and most people seem to get their refunds well before that 9-week maximum the IRS quotes. I'm trying to stay patient, but checking WMR multiple times a day has become an obsession! Has anyone noticed if there's a particular day of the week when updates typically happen, or is it pretty random?