The IRS is so behind on everything idk why they even bother with deadlines anymore smh

Hey @89e38cc9669f! I had almost the exact same situation last month - 810 freeze for 16+ weeks with an as of date that kept jumping around. The January 2025 date doesn't necessarily mean a system error, but it could indicate they're processing your amendment in batches. What really helped me was getting a clear breakdown of what was actually happening with my case. I ended up using taxr.ai (https://taxr.ai) after seeing it recommended here so much, and honestly it was a game changer. It analyzed my transcript and showed me exactly why the freeze was happening and gave me a realistic timeline for when it would clear (which ended up being spot on). With the 1/27 deadline approaching, definitely call that number Chloe mentioned, but also consider getting that transcript analysis so you know exactly what you're dealing with. The IRS phone reps sometimes don't have the full picture, but having detailed info about your specific codes helps you ask the right questions. Good luck! 🤞

Can anyone explain like I'm 5 what these different 1095 forms mean? I have the same situation where I'm on my parent's plan but turning 26 soon and I'm scared of getting hit with surprise tax bills.

This is exactly why I always recommend getting a copy of your tax return before signing it and asking questions about anything you don't understand. A $10k surprise tax bill should never happen without clear documentation. Your situation sounds like a classic case of form confusion. Since you were on your parents' employer plan, you should have received a 1095-B (or possibly 1095-C if it's a large employer). These forms just prove you had qualifying health coverage - they don't involve any tax credits or payments that need to be reconciled. The Premium Tax Credit only applies to people who bought insurance through Healthcare.gov or state marketplaces AND received advance payments to help cover premiums. If you never applied for marketplace coverage, there's no way you could owe money for premium tax credits. I'd suggest: 1) Ask your CPA to show you the exact form and line numbers where this $10k liability is coming from, 2) Verify what health insurance forms (1095-A, B, or C) were used in your tax preparation, and 3) If they can't provide clear documentation, absolutely get a second opinion from another tax professional. Don't sign anything or pay anything until you understand exactly what's happening with documentation to back it up!

Why do these tax preparers think they can hold our docs hostage like this? 🤮 the whole system is broken frfr

Ugh this is so frustrating! I went through something similar last year. The 810 freeze usually means they're questioning withholdings or credits on your return. Your preparer is required by law to give you a complete copy of your filed return - they can't just hold it hostage like that! I'd definitely file a complaint with the IRS about them. Also try getting your wage and income transcript directly from the IRS website so you can see what was actually filed. The good news is the 810 freeze shouldn't mess up next year's filing as long as you get it sorted out. Hang in there! 💪

Just a heads up that RSU taxation can vary by country too! If you're outside the US or work for a multinational company, the rules might be different. I work for a US company but I'm based in Canada, and my RSU taxation is completely different from my US colleagues.

Yes, you absolutely should be able to get the official plan documentation! HR is required to provide you with the Stock Incentive Plan document and any RSU grant agreements you've signed. These documents will spell out exactly how withholding works, what fees might be charged, and the timing of various transactions. Ask HR specifically for: 1. The Stock Incentive Plan (or Equity Compensation Plan) document 2. Your individual RSU grant agreement(s) 3. Any summary plan descriptions they provide to employees If they're being unhelpful, you can also check if these documents are available in your employee portal or benefits website - many companies post them there. The plan document will clarify whether multiple withholdings are normal for your company's specific setup, and might explain that second transaction you're seeing. You have a legal right to this documentation as a plan participant, so don't let them brush you off!

Has anyone tried adjusting their W-4 to increase withholding on just one person's paycheck instead of both? My wife and I found it easier to have extra withholding from just the higher income so we could better track it, rather than messing with both paychecks.

One strategy that's worked really well for us is maxing out HSA contributions if you have access to a high-deductible health plan. It's triple tax-advantaged (deductible going in, grows tax-free, tax-free withdrawals for medical expenses) and can really help reduce your taxable income. With two kids, you probably have plenty of medical expenses to justify it. Also, don't overlook the Child and Dependent Care Tax Credit - it phases out at higher incomes but you might still qualify for some benefit. And if your employer offers dependent care FSA, you can set aside up to $5,000 pre-tax for childcare expenses. For the side income withholding issue, consider setting up a separate business checking account and automatically transferring 25-30% of each payment into a "tax savings" account. Then make quarterly estimated payments from there. It helps psychologically because you never see that money as "yours" to spend.