For those who have been through this before: Does having the trace number guarantee the money will arrive on the DDD? Here's what I understand so far: Step 1: IRS approves refund (shown on transcript) Step 2: IRS sends money to SBTPG (the "funded" status) Step 3: SBTPG issues trace number Step 4: Money arrives at Chime Is there anything else that could delay it at this point?

Thanks for sharing your timeline - this is really helpful for those of us waiting! I'm in a similar situation with a cycle 05 transcript that updated Friday, but I haven't gotten my trace number yet. SBTPG shows "funded" as of yesterday evening. Quick question: did you have to keep refreshing the SBTPG portal to see the trace number, or did they send you any kind of notification? I'm trying to figure out if I should be checking constantly or if there's a better way to monitor the progress. Also hoping my funds come through soon since I have some urgent expenses coming up too.

Have you tried using the TPG Tax Refund Status page at https://taxpayer.sbtpg.com/login rather than the regular SBTPG portal? Sometimes they have different databases that don't sync properly. Also worth checking the IRS2Go app which sometimes shows different information than the website version of Where's My Refund. If you filed with TurboTax, you should also check your account there as they sometimes have more detailed status information.

I'm dealing with a similar situation right now! Filed 1/28 and got IRS acceptance same day. My WMR tool showed "Refund Approved" on 2/18, but when I check the SBTPG tracker, it says "No records found" no matter what combination of SSN, filing status, or refund amount I try. It's been 6 days since the IRS approval and I'm starting to worry. Has anyone found that calling SBTPG directly actually helps, or do they just tell you the same thing their website says? I'm wondering if I should wait a few more days or start making calls now.

Has anyone noticed that TurboTax seems especially glitchy with child tax credits this year? I've had similar issues where it zeroed out my credits, then they reappeared when I went back and re-entered the exact same information!

I'm glad you were able to resolve this issue! Your experience highlights a really important point about tax software - sometimes the smallest input errors can have huge impacts on your return. For future reference, one thing that might help others avoid this is to always do a final review of the "Review Your Return" or summary section before filing. Most tax software will show you a breakdown of all your credits and deductions there, which makes it easier to spot when something looks wrong (like $0 child tax credits when you clearly have qualifying children). Also, if anyone else runs into similar issues, try using the "Forms Mode" or "Detailed View" in your tax software if available. Sometimes the interview-style questions can lead to these kinds of dropdown errors, but looking at the actual tax forms can make it clearer what information is being entered where. Thanks for sharing your solution - I'm sure this will help other parents who encounter the same problem!

One thing nobody has mentioned yet - look into whether you qualify for the Child and Dependent Care Credit if you're taking classes. If you're going to school to be able to work, and your boyfriend is paying for childcare so you can attend classes, he might be eligible for this additional credit when he claims your son.

I was in a very similar situation last year! My partner and I aren't married, I stayed home with our 18-month-old while taking online courses, and he was the sole income earner. Here's what we learned after consulting with a tax professional: Your boyfriend should definitely claim your son as a dependent - this will unlock the Child Tax Credit ($2,000) and potentially the Earned Income Credit depending on his income level. Since you have no income, these credits would be wasted if you filed. For Head of Household status, your boyfriend needs to provide more than half the cost of maintaining the household AND have a qualifying person (your son) living with him for more than half the year. If both conditions are met, HOH gives him a much better standard deduction than filing single. Regarding claiming you as a dependent - this could work in your favor! If your boyfriend provides more than half your support and you made less than $4,400 (which you did with $0 income), he can claim you too. This increases his standard deduction even more. Don't forget about education credits! If he's paying for your school expenses and claims you as a dependent, he might qualify for the American Opportunity Credit or Lifetime Learning Credit, which could be worth up to $2,500. The key is to make sure only one person claims each dependent and that all the IRS tests are met. Document everything - who pays what bills, childcare costs, education expenses, etc. - in case you ever need to prove the dependency claims.

What tax software are you using? Different programs have different ways of handling these edge cases. I use FreeTaxUSA and had a similar issue, but found if you enter it as a retirement rollover specifically (not just a general 1099-R), it accepts the form without validation errors.

Great thread everyone! I'm a tax preparer and deal with these Roth rollover 1099-R issues frequently during tax season. Just wanted to add a few professional insights that might help others in similar situations. The Box 5 > Box 1 scenario is indeed legitimate for certain Roth rollovers, particularly when you're rolling over basis (after-tax contributions). The IRS Publication 590-A specifically addresses this in the rollover sections. What's happening is that Box 1 shows the gross distribution amount (which can be $0 for direct rollovers), while Box 5 shows the portion that's not subject to tax - in this case, your Roth contributions. For anyone still struggling with tax software validation errors, here's what I typically recommend to clients: 1. Use the override function if available (most major software has this) 2. Add Form 8606 if you have basis in traditional IRAs 3. Include a brief statement explaining the rollover transaction 4. Keep all rollover documentation for your records The key thing to remember is that these forms need to be reported even if they show $0 taxable amounts, because the IRS matches them to your return. Missing them can trigger automated notices later. @Jamal Brown - sounds like you're on the right track with the override approach! The explanation statement is a good safety measure.