Check your transcript online if you can access it. Sometimes the letter contents are viewable there even if the physical copy went to wrong address

This is frustrating but definitely fixable! I went through something similar last year. Here's what worked for me: 1) Call the IRS immediately at 800-829-1040 and explain the situation - they can usually expedite a reissue to your correct address, 2) File Form 8822 online or by mail to update your address officially, 3) Keep documentation of everything (dates you called, reference numbers, etc). The whole process took about 2-3 weeks for me once I got everything sorted. Don't panic - this happens more often than you'd think!

Here's what actually happens: The IRS sends the payment to your bank on the DDD. Then it's up to your bank when they post it to your account. Some banks post as soon as they receive the ACH transfer, others wait until the next business day. For TurboTax specifically - if you had fees taken out of your refund, that adds an extra step because it goes through Santa Barbara Tax Products Group first, which can add 1-2 days.

Chase typically processes refunds pretty quickly in my experience. I've been filing with TurboTax for years and banking with Chase, and I'd say about 70% of the time my refund hits on the actual DDD, usually early morning around 2-4am. The other 30% it's the next business day. Since tomorrow is your DDD, I'd check your account first thing in the morning and if it's not there, definitely check Friday morning. Good luck with the car repairs!

23 Pro tip: Ask for Schedule B of the 1040 specifically. That's where interest and dividends are reported AND there's a section that asks about foreign accounts. If your ex checked "yes" but you never knew about foreign accounts, that's a red flag to investigate further. I discovered my ex had an offshore account this way.

25 This thread has been incredibly helpful! I'm dealing with a similar situation where my ex provided minimal financial documentation. One thing I learned from my attorney is that you can also request Schedule K-1 forms if your ex was involved in any partnerships, S-corporations, or LLCs. These show income from business partnerships that wouldn't appear on a W2. Also, don't forget about Schedule D for capital gains/losses from stock sales or property transactions. My ex "forgot" to mention he sold some rental property during our separation year, and this is where it showed up. The 1040 really is the complete picture - the W2 is just one piece of the puzzle. For anyone going through this, document everything and be persistent about requesting complete tax returns through your attorney. The difference between what's on a W2 versus the full 1040 can be substantial.

Does anyone know if the IRS is processing refunds faster or slower this year compared to last? I filed on February 1st last year and got my refund by Valentine's Day. Wondering what to expect this time.

I'm in a very similar boat to you, Connor! Filed early last year and got around $2,600 back, but this year I'm honestly not sure what to expect. I did get a small raise too (about 3%), but I also started contributing to an HSA mid-year which should help lower my taxable income. One thing I noticed when I started preparing my taxes is that the standard deduction increase is nice, but it's not as dramatic as some years. The real wildcard for me is that my employer switched payroll systems last year and I'm not 100% confident they adjusted withholdings correctly when they migrated everything over. I'm planning to file within the next week or two. Might be worth both of us comparing notes once we see our actual numbers! The uncertainty is definitely stressing me out more than usual this year.

Anyone know which EVs still qualify for the full $7500? I heard some only get partial credits now because of battery component requirements?

This is exactly the kind of strategic tax planning that more people should be doing! I went through this same situation last year when I bought my Model Y. One thing I'd add - make sure you time your EV purchase correctly. The credit only applies in the tax year you take delivery of the vehicle, not when you order it. So if you're planning to buy early in 2025, you might want to wait until you've had a few months of adjusted withholding to make sure your strategy is working. Also, keep detailed records of your withholding adjustments. I created a simple spreadsheet tracking my monthly withholding changes and projected tax liability. This helped me fine-tune the W-4 adjustments mid-year when I realized I was on track to owe slightly more than the credit would cover. The peace of mind from maximizing that $7500 credit is totally worth the extra planning effort!