One option nobody's mentioned yet is TaxHawk - it's basically the same company as FreeTaxUSA but with a slightly different interface. Federal is free and state is $14.99 just like FreeTaxUSA. I've used it for 3 years with multiple 1099s and Schedule C. I like that they don't constantly try to upsell you on stuff you don't need. The interface is basic but gets the job done, and their help content is actually really clear for self-employment questions.

Watch out for the Free File income limits! I got burned last year thinking I qualified but my AGI was like $200 over the limit and ended up having to pay. The 2024 filing limit should be around $73k but check the IRS site to be sure. Also, if you go with FreeTaxUSA, search for coupons! I found a 25% off code that brought the state filing down to about $11. Every little bit helps when you're on a tight budget.

The fact that they couldn't even tell you how to access Form 8949 for crypto is a huge red flag. I used Cash App Taxes (when it was still Credit Karma) and they completely messed up my foreign income reporting. I ended up getting a letter from the IRS and had to pay penalties. For anyone dealing with crypto, I HIGHLY recommend using a dedicated crypto tax software like Koinly or CoinTracker to generate your 8949 forms first, then input those totals into whatever tax software you use. That way you have documentation if you ever get audited.

I'm dealing with a similar nightmare with Cash App Taxes right now. Filed my return in February and just got a CP2000 notice from the IRS saying my crypto transactions were reported incorrectly. Cash App apparently didn't include some of my cost basis information properly, so the IRS thinks I owe way more than I actually do. Their customer support has been completely useless - they keep telling me to "just respond to the IRS notice" but won't explain how their software calculated my gains in the first place. I can't even see the actual Form 8949 they submitted on my behalf! Now I'm scrambling to gather all my transaction records to prove the correct cost basis to the IRS. This is exactly why transparency matters - you should always be able to see the actual tax forms being filed in your name. Lesson learned the hard way.

Has anyone actually been audited over donation timing like this? I'm wondering how strict the IRS really is about this December/January thing. They can't possibly check every donation date, right?

I work in tax preparation and see this exact scenario all the time. The consensus here is correct - for ACH transfers initiated on December 31st, what matters is whether you could cancel the transaction after submitting it. Most banks don't allow you to cancel ACH transfers once they're submitted, which means you "made" the donation in 2024 even though it processed in January. However, I'd recommend keeping documentation of both the initiation date (December 31) AND the processing date (January) in case you're ever questioned. Bank screenshots showing the pending transaction on December 31st would be ideal proof that you surrendered control of the funds in 2024. For your $2,300 in donations, this documentation becomes especially important since it's a significant amount. The IRS does spot-check charitable deductions, and having clear proof of timing will save you headaches if they ever ask questions.

I'm dealing with something very similar right now and this thread has been incredibly helpful! Just wanted to add that if you paid through Direct Pay, you can actually look up your payment confirmation online at IRS.gov/payments even if you don't remember your confirmation number. You just need your SSN, payment amount, and the date you made the payment. I found my confirmation there and it showed that my payment was processed but somehow got applied to the wrong form type (they put it toward estimated taxes instead of my 1040 balance due). The confirmation page actually has a "Print" option that gives you an official-looking document with all the payment details that you can include with your response. One thing I learned from calling (after waiting 2 hours) is that if you respond in writing to the CP14, they're supposed to put a hold on any collection activity while they investigate. The agent told me to write "PAYMENT INQUIRY" at the top of my response letter in big letters so it gets routed to the right department faster. Also, if you're really stuck and the online account doesn't show your payment, try calling the automated payment line at 1-888-353-4537. You can check if your payment was processed without having to wait for a human agent.

This is incredibly stressful but you're definitely not alone in dealing with this! Based on all the great advice here, I'd recommend a multi-pronged approach to get this resolved quickly. First, definitely create that online account at IRS.gov if you haven't already - you might be able to see exactly where your payment ended up. Sometimes it's as simple as it being applied to the wrong tax year or form type. Second, gather ALL your documentation now - bank statement showing the withdrawal, any confirmation emails or numbers, screenshots of your online banking, everything. Make copies (never send originals) and respond to that CP14 notice in writing within their deadline. Write "PAYMENT INQUIRY" at the top like Mateo suggested. Third, try that automated payment line at 1-888-353-4537 to verify your payment was processed before trying to reach a human agent. The most important thing is to respond within their timeframe even if it's just to say "I already paid, here's my proof" - this should put a hold on any collection activity while they investigate. I know it's frustrating when you KNOW you paid, but based on everyone's experiences here, this does get resolved once they locate your payment in their system. The IRS processing systems clearly have issues matching payments correctly, especially around filing deadlines. Hang in there!

Do actors pay taxes differently from musicians and athletes? Like if Taylor Swift makes $20 million from a tour vs an actor making $20 million from a movie, do they pay the same amounts?

The tax situation for high earners like Chris Hemsworth is fascinating but varies greatly based on how they structure their income. While someone making $20 million would face the top federal tax bracket of 37%, their actual effective rate depends heavily on deductions and business structures. Most A-list actors don't receive traditional W-2 wages. Instead, they often create loan-out corporations or LLCs that contract their services to studios. This allows them to deduct legitimate business expenses like agent/manager fees (which can total 25-30% alone), security, training, travel, and other work-related costs. Additionally, income timing matters. Actors might defer portions of their pay or structure deals with backend participation that spreads income across multiple years, potentially keeping them in lower brackets for some portions. Even with aggressive (but legal) tax planning, a $20 million earner would likely still pay $5-8 million in total federal and state taxes. The key difference is they have access to sophisticated tax strategies that most people don't, which is why their effective rates are often lower than the headline marginal rates suggest.