bruh the IRS is so broken rn. took me 14 months to get my 2020 refund 🤮

I went through something similar last year! The key thing to understand is that transcript availability doesn't always mean the same thing across different transcript types. Your Account Transcript and Wage & Income Transcript being available but empty for 2021 actually suggests the IRS has your filing information but the return might still be in processing limbo. The "N/A" status on Return and Record of Account transcripts is definitely concerning though. I'd recommend calling the Practitioner Priority Service line (844-464-3481) early in the morning - they tend to have shorter wait times than the regular taxpayer line. Also, if you used tax software, check if they have delivery confirmation that your return was actually accepted by the IRS. Don't refile just yet - that could create more problems. Get confirmation first about whether they received your original return.

I had a cycle code of 20241705 appear exactly 8 days after my in-person ID verification. Look specifically for Transaction Code 971 followed by 571 on your Account Transcript - these indicate verification processing. The 971 code means they sent you a verification notice (which you already addressed by going in person), and the 571 code means that issue is now resolved. Once those appear, you're typically 5-10 days from seeing an 846 Refund Issued code with your direct deposit date.

Congrats on getting through the in-person verification! That's honestly the hardest part of this whole process. I went through something similar about 6 weeks ago and the waiting after verification was almost worse than the initial ID theft issues. From my experience, your transcript should update within the next week or so. I saw my first changes on day 9 after verification - got the 971 notice code and 571 resolution code that others have mentioned. Then my 846 refund code appeared 6 days later. One thing I learned is that the IRS systems don't always sync up perfectly, so don't panic if your transcript updates but WMR still shows processing. The transcript is usually more accurate and updates first. Since you're newlyweds filing jointly for the first time, that might add a tiny bit of extra processing time as their system cross-references both of your previous filing histories, but nothing major. You should definitely see movement within the next 10-14 days. Hang in there!

Based on community experiences with Walmart ONE cards for tax refunds: • Most people receive funds 1-5 business days after IRS shows "sent" • First-time large deposits often take longer due to fraud reviews • Calling Walmart ONE directly is more effective than checking the app • Some users report funds appearing after midnight rather than during business hours • Having a history of direct deposits to the card can speed up processing • IRS batch processing happens Wednesday-Friday, so many Walmart card deposits post Monday-Tuesday Hope this helps those still waiting!

I'm dealing with the same situation! Filed on Feb 22nd and my Walmart ONE card still hasn't received the refund even though WMR updated to "sent" on March 10th. I called Walmart card services yesterday and they said they can see a pending deposit but it's in their fraud review queue because it's over $1,000. The rep told me it could take up to 7 business days from when they received it to clear their internal review. So frustrating when you're counting on that money! Have you tried calling them directly at the number on the back of your card? They might be able to give you more specific info about your deposit status.

protip: write down your reference number when you call. theyll ask for it if you need to call back

Also check if you have any unpaid federal debts like back taxes, defaulted student loans, or unpaid child support - those are the most common reasons for offsets. The TOP line will tell you which agency requested the offset too so you know exactly what you're dealing with.

Has anyone looked into whether it's better to take distributions from your S-Corp and then fund a backdoor Roth vs setting up these more complex retirement plans? Especially if you expect to be in a higher tax bracket in retirement?

This thread has been incredibly helpful! I'm in a similar situation but with one additional wrinkle - I'm also contributing to a HSA through my W-2 job. Does that impact any of the S-Corp retirement plan contribution limits mentioned here? Also, for those who mentioned taxr.ai - did their analysis include HSA optimization as part of the overall retirement planning strategy? I'm trying to figure out if I should prioritize maxing my HSA first before setting up the Solo 401k, or if they work completely independently of each other. One more question - if I set up a Solo 401k through my S-Corp this year, can I still make catch-up contributions when I turn 50 next year, or do those limits get complicated when you have multiple 401k accounts?