Just a heads up - I'm a delivery driver too and the IRS audited me last year specifically about my mileage deduction. They made me provide: - Daily mileage logs showing odometer readings - Service records showing odometer at maintenance visits - Receipts for gas that matched my driving patterns My Excel sheet wasn't detailed enough and I lost about 30% of my claimed deduction. Whatever system you use, make sure you're recording: - Starting and ending odometer EVERY DAY - Specific business purpose for each stop - Total business vs personal miles

As someone who's dealt with IRS mileage documentation requirements extensively, I want to emphasize how important it is to get your tracking system right from the start. The IRS Publication 463 specifically states that mileage records must be "timely" - meaning recorded at or near the time of travel, not reconstructed later. Your Excel idea is absolutely valid, but make sure you're capturing the essential elements: date, business purpose, destinations, and actual odometer readings (not just calculated distances). The IRS wants to see that you're tracking actual vehicle use, not theoretical routes. One thing I'd strongly recommend - take photos of your odometer at the beginning and end of each tax year. This creates an undisputable record of your total annual mileage, which helps establish what percentage was business use. I've seen too many people get tripped up because they couldn't prove their total vehicle usage during audits. Whatever system you choose, consistency is key. The IRS looks favorably on organized, systematic record-keeping that shows you take your tax obligations seriously.

For anyone doing short-term trading on apps like CashApp - what tax software are y'all using? I tried TurboTax last year but it was a nightmare trying to enter all my trades manually.

Just wanted to add something important that I learned after my first year of active trading - make sure you understand the difference between "trader" and "investor" status with the IRS. Most people doing casual day trading like you described are considered investors, which means your trading losses are capital losses (limited to $3,000 deduction per year against ordinary income). However, if you were doing this as a business (trading frequently, substantial time commitment, seeking short-term profits), you might qualify for trader status, which has different tax implications. With your $46k in trades on a $52k salary, it's probably worth understanding this distinction. Also, since you mentioned some same-day flips - just be aware that day trading can sometimes trigger pattern day trader rules with brokers (though that's more about account requirements than taxes). The tax treatment is the same whether you hold for minutes or weeks, as long as it's under a year it's all short-term capital gains/losses. Your $790 loss will definitely help reduce your tax bill, not increase it!

idk if this helps but my accountant told me that for 2025 filing season there are specific delays with 1099-NEC processing due to some last minute tax law changes. something about gig work classification that congress changed in december. if you have self employment income like you mentioned that could be your issue for sure.

Just to add another perspective - if you're comfortable with it, you can also check the IRS.gov website directly under their "Forms and Instructions" section. They sometimes post notices about delayed forms that might not be immediately visible in tax software. For what it's worth, the 1099-NEC delay that others mentioned is very real. I'm a tax preparer and we got official notice from the IRS about this specific issue affecting gig workers. The February 15th date mentioned by Oliver is accurate based on the latest IRS communications we've received. In the meantime, you could prepare the rest of your return and just leave the self-employment section incomplete until the forms are ready. That way you won't have to re-enter all your other information when the time comes.

One thing nobody mentioned - if you rent through these Uber programs, track your charging costs separately too! Sometimes they give you free Supercharger access, but sometimes not. If you pay for charging, those costs are deductible too, just like gas would be. I rented a Model 3 last summer and saved all my charging receipts - added up to about $90/week in deductions my tax guy said I wouldn't have been able to claim otherwise.

Great question about mixing deduction methods! I went through this exact scenario two years ago when my personal car broke down mid-year and I switched to Uber's Tesla rental program. You're absolutely right that you can't use standard mileage for a rental vehicle - the IRS is very clear about that. But the good news is that the entire $340 weekly rental fee is indeed deductible as a business expense, assuming you're using the vehicle primarily for rideshare/delivery work. The key thing to remember is documentation. When you make the switch, create a clear cutoff date in your records. For the period with your personal vehicle, track your business miles and use the standard mileage rate (currently 65.5 cents per mile for 2023). Then from your rental start date forward, keep all rental receipts and track your business vs. personal use percentage. Also don't forget about the charging costs if your rental doesn't include free Supercharger access - those are deductible too! I kept a simple spreadsheet with charging receipts and it added up to decent additional deductions. One tip: if you're on the fence about timing, consider waiting until the start of a new quarter to make the switch. It makes the record-keeping cleaner and reduces any confusion if you get audited.

If you can't access SBTPG, you might try contacting your bank directly. Many larger banks can see pending ACH transfers 1-2 days before they post to your account. Just tell them you're expecting an ACH deposit from "SBTPG LLC" or "TurboTax" and ask if they can see anything pending. This worked for me when I was in a similar situation - my bank could see the pending deposit a day before it actually posted to my account.

I'm going through this exact same situation right now! Filed through TurboTax and selected the early refund option that failed, and now I can't access the SBTPG site either. It's so confusing because you think you're getting your money faster, but it seems like it actually creates more delays and uncertainty. Reading through all these responses is really helpful though - sounds like the general consensus is to expect 1-2 business days after the IRS date for the money to actually hit your account. I wish TurboTax was more upfront about how this process actually works instead of just marketing it as "get your refund faster." Has anyone had luck getting clearer timelines directly from TurboTax customer service, or is it better to just wait it out like most people are suggesting?