


Ask the community...
Has anyone actually done the math on whether it's worth filing MFS just for the EV credit? I did this calculation last year and was surprised.
I ran the numbers for my situation (similar income levels) and MFS cost us about $4,800 more in taxes overall, making the $7,500 credit still worthwhile by about $2,700. But it's definitely not the full $7,500 benefit most people expect.
I'm dealing with a very similar situation with my Rivian R1T! My spouse and I are also just over the joint filing income limit. After reading through all these responses, I'm leaning toward the IRA contribution strategy that Jessica mentioned rather than filing separately. One thing I discovered that might help - if your wife has access to a Health Savings Account (HSA) through work, that's another way to reduce AGI. The 2025 HSA contribution limit is $4,300 for individual coverage or $8,550 for family coverage, and those contributions reduce your AGI dollar-for-dollar just like traditional retirement contributions. Between maxing out the traditional IRA ($7,000) and potentially an HSA contribution, you might be able to get her AGI down enough to stay under $150k while still filing jointly and keeping all your other tax benefits intact. Just a thought!
Great point about the HSA! I hadn't thought about that option. We do have access to an HSA through my wife's hospital system, and we've only been contributing the minimum for the employer match. Between the IRA contribution ($7,000) and potentially increasing our HSA contribution, that could definitely get us under the threshold. Plus, as you mentioned, we'd keep all the benefits of filing jointly. This seems like a much cleaner approach than trying to navigate the complexities of MFS and the joint vehicle ownership issues. Do you know if there's a deadline for increasing HSA contributions for the prior tax year, or does it have to be done by December 31st unlike IRAs?
Just wanted to jump in here as someone who went through this exact same sequence last year! Filed January 23rd, got the status change from "still being processed" to "being processed" after completing ID verification, and was absolutely losing my mind wondering what it meant. I can confirm this is definitely a positive sign - within 8 days of that status change, I had my deposit date on WMR. The key thing I learned is that once you clear ID verification and see this status change, you're basically in the normal processing queue rather than the "problem" queue. I know the waiting is excruciating when you have financial obligations pending, but you're moving in the right direction. Keep checking your transcript on Wednesday/Thursday nights - that's when most updates seem to happen. Hang in there!
Thank you so much for sharing your experience from last year! It's really reassuring to hear from someone who went through the exact same timeline. I'm actually new to this community and have been trying to piece together what all these status changes mean. Filed on January 28th and just saw my status change yesterday, so reading about your 8-day timeline gives me hope. I had no idea about checking transcripts on Wednesday/Thursday nights - that's incredibly helpful information! The financial stress is real when you're waiting on a refund, especially with all the mixed information floating around online. Really appreciate you taking the time to provide this detailed timeline and advice!
As someone who's completely new to this whole process, I can't tell you how relieved I am to find this thread! I filed on January 26th and just noticed my status changed from "still being processed" to "being processed" this morning. I've been checking WMR obsessively (probably 5+ times a day) because this is my first time dealing with identity verification and I had no idea what to expect. I completed the ID.me verification about 12 days ago and have been in complete limbo since then. Reading all these responses from people who've been through the exact same situation is giving me so much peace of mind. I had no clue about checking transcripts or understanding the difference between these status messages. Thank you everyone for sharing your experiences and timelines - it's making this stressful waiting period so much more bearable knowing I'm not alone in this!
Welcome to the community! I'm also pretty new here but have found everyone to be incredibly helpful during this stressful time. Your timeline sounds very similar to mine - I filed January 24th and completed ID verification about 2 weeks ago. Just saw my status change to "being processed" a few days ago too! The 5+ times a day WMR checking is so relatable - I think we've all been there. One thing I learned from reading through this thread is that the transcript updates seem to be more reliable than WMR for tracking actual progress. I had never even heard of tax transcripts before joining this community! It's amazing how much clearer everything becomes when you have people who've actually been through the process sharing their real experiences instead of just guessing based on official IRS language that doesn't tell you much.
Just got mine! Anyone else checking their Chime every 5 minutes today? Was beginning to think something went wrong with my return, but it finally showed up at 3:42pm EST. Didn't even get a notification until I opened the app. Why is tax season always so stressful? At least it's over for another year!
Same here! Filed with H&R Block on Jan 28th and have been waiting all day. My transcript shows today as DDD but still nothing in my Chime account as of 4:15pm EST. Starting to get worried something went wrong, but reading these comments is reassuring that deposits are still trickling in throughout the day. Going to try to be patient and check again this evening. Thanks for posting this - nice to know I'm not the only one anxiously refreshing my banking app every few minutes!
The WMAR tool is notoriously unreliable for 2023 amended returns. Many taxpayers (myself included) received their refunds while the tool still showed "received" status. If you filed Form 1040-X electronically on June 18, 2023, you should be approaching completion based on current processing timelines. Have you checked if your account transcript shows any TC 971/977 codes? Those indicate amendment processing activity even when WMAR doesn't update.
I'm dealing with a very similar timeline - filed my amended return in late June 2023 as well. From what I've gathered reading through everyone's experiences here, it seems like 7-8 months is becoming the new normal for amended returns, which is frustrating when you're counting on that money. The inconsistency with the WMAR tool is really concerning - it sounds like many people are getting their refunds without any status updates online. I've been checking weekly too and mine still just says "received." One thing I'm wondering - for those who got their refunds after 7+ months, did you receive any notice beforehand or did the check just show up? I'm trying to figure out if I should expect any kind of heads up or if it'll just appear one day. The uncertainty is the worst part of this whole process. Thanks for starting this thread - it's helpful to know others are in the same boat, even though the wait is incredibly frustrating when you need the money for legitimate expenses like moving costs.
I'm in almost the exact same situation! Filed my amended return on June 22, 2023 (just 4 days after you) and still waiting. Based on what everyone's sharing here, it sounds like we're right in that 7-8 month window where refunds are starting to come through. From what I've read in this thread, it seems like most people didn't get any advance notice - the refund check just showed up in the mail one day while their WMAR status was still stuck on "received." That's both reassuring and nerve-wracking at the same time! I've been debating whether to try calling using that Claimyr service that @Andre Dupont mentioned, but honestly after reading everyone s'experiences, it sounds like we might be close enough to resolution that it s'worth waiting another month or two before taking that step. The waiting game is definitely the hardest part, especially when you have expenses you re'counting on that money for. Hang in there - sounds like we should hopefully see movement soon based on the timeline patterns others have shared!
Alice Coleman
I'm dealing with almost the exact same situation! Filed in early February, got code 570 on my transcript dated March 20th, and still waiting. The anxiety is real when you're counting on that money. From everything I've read here and researched, the 570/971 combo seems pretty standard - they're just reviewing something and will send a notice explaining what they need (if anything). The frustrating part is how long it takes and the complete lack of communication. One thing that helped me was checking my transcript weekly instead of daily - saves some sanity. Also make sure your address is current with the IRS since some people mentioned notices going to old addresses. Hang in there - sounds like most people eventually get their refund, it just takes forever. The IRS really needs to modernize their systems and communication. Keep us posted on any updates!
0 coins
Mohamed Anderson
ā¢Thanks for sharing your experience! It's oddly comforting to know I'm not alone in this frustrating situation. The weekly checking instead of daily is great advice - I've been obsessively refreshing my transcript multiple times a day which is probably not helping my stress levels. I'll definitely make sure my address is current with them too, that's a good point I hadn't considered. Really hoping we both get some movement soon!
0 coins
Freya Christensen
I've been through this exact scenario twice in the past three years. The 570/971 combination on your transcript is frustrating but usually not as scary as it seems. In my experience, it typically means they're doing a routine review of something on your return - could be verifying income against what employers reported, checking education credits (which you mentioned claiming), or just random selection. The key things I learned: 1. The notice (971 code) can take 10-14 days to arrive by mail from the transcript date 2. Sometimes the issue resolves automatically without any action from you 3. If they do need something, respond quickly to avoid further delays For what it's worth, both times this happened to me, my refund was eventually released without me having to do anything - one took 5 weeks, the other took 8 weeks. The waiting is absolutely nerve-wracking when you need the money, but try not to panic just yet. Keep checking your transcript weekly for any 846 code (refund issued) or other updates. And definitely make sure your mailing address is current with the IRS in case that notice does come.
0 coins
Daniel Rogers
ā¢This is really helpful to hear from someone who's been through it multiple times! The timeline you mentioned (5-8 weeks) gives me a better sense of what to expect rather than just wondering indefinitely. I did claim education credits for my daughter's college tuition, so that very well could be what triggered the review. It's reassuring to know that in both your cases it resolved automatically without you having to send in additional documentation. I'll definitely keep checking weekly instead of obsessing over it daily. Thanks for sharing your experience - it really helps with the anxiety of not knowing what's happening!
0 coins