dont get ur hopes up about updates. been stuck on the same message since february lmaoooo

I had this exact same issue last week! The "daily limit" error is super frustrating when you know you only tried once. What worked for me was logging out of the IRS website completely (if you had it open), clearing all browser cookies for IRS.gov, then waiting about 30 minutes before trying the app again. The system seems to share login attempt counters between the website and app, so even having the website open in a browser tab can sometimes trigger this. Also make sure you're using the exact same credentials - any typos count as failed attempts too.

For your sister's situation, here's what the IRS told me when I called about my Scentsy 1099-MISC last year: If Line 3 is for prizes, awards, or incentive payments related to your sales activity, it still goes on Schedule C but on Line 6 (Other business income). This keeps it associated with your business but separates it from your main nonemployee compensation. The most important thing is to make sure your self-employment tax calculation only includes the Line 7 amount, not the Line 3 amount.

I'm a bit late to the discussion, but I want to add that this whole thing depends on WHAT the Line 3 payment actually is. I had a similar situation with my Tupperware business where Line 3 was for a referral bonus. In that specific case, my tax preparer put it on Schedule C but made sure to mark it as "not subject to self-employment tax" by making an adjustment on Schedule SE. She said different types of "other income" might be handled differently, so knowing exactly what the payment was for is crucial.

Isn't it CRAZY that we pay taxes but then have to become detectives to figure out what's happening with our own money? The whole system is so broken. Good luck OP, hope you get your refund soon! 🙏

I went through this exact same situation last year with code 420 on my transcript. The waiting is absolutely the worst part because you have no idea how long it's going to take. In my case, I had to provide school enrollment records and medical records showing my kids lived with me for more than half the year to verify my Head of Household status and EIC eligibility. The good news is that if you legitimately qualify for everything you claimed, you'll eventually get your full refund. The bad news is it can take anywhere from 45 days to 4+ months depending on how quickly you respond and how backed up they are. Start gathering your documentation now - anything that shows your dependents lived with you (school records, medical bills, daycare statements, etc.) so you're ready when that notice arrives. And definitely keep checking your transcript for updates because sometimes the codes change before you even get the letter in the mail. Hang in there! The IRS bureaucracy is frustrating but most of these reviews do get resolved in the taxpayer's favor eventually.

The IRS typically processes refunds in 8-day cycles. Returns filed and accepted on February 12-19 likely received February 24-26 deposit dates. Returns processed February 20-27 would receive March 2-5 deposit dates. It's purely mathematical batch processing. PNC specifically takes exactly 24 hours to post pending deposits after receiving them from the Treasury. 76% of direct deposits arrive on or before the WMR projected date, 19% arrive 1-2 days early, and 5% experience delays beyond the projected date.

I had a similar experience with PNC last year - my deposit date was about 5 days later than friends with other banks, but the refund actually showed up 2 days before the scheduled date. From what I've observed, PNC tends to be more conservative with their deposit posting compared to banks like Chime or Credit Karma that sometimes release funds early. The good news is that March 2nd is likely a "no later than" date rather than an exact date. Your state tax situation shouldn't impact federal refund timing at all - they're completely separate systems. I'd suggest checking your IRS transcript if you haven't already, as it might show more specific processing codes that could explain the batch timing.

You mentioned your wife's CPA vs your CPA who specializes in 1099 work. Honestly, I'd go with the specialist. Regular CPAs often don't understand all the self-employment deductions available. I'm a contractor too and switched to a CPA who specializes in self-employed people. The difference was an extra $7,200 in legitimate deductions he found compared to my previous "general" accountant. Make sure whoever does your taxes understands the QBI deduction (Qualified Business Income) - that's a 20% deduction on your net business income that many preparers miss!

I completely understand your frustration - the transition from W-2 to 1099 is brutal that first year! I went through the exact same shock when I became a contractor. A few things that might help your situation: First, regarding filing jointly vs separately - you're absolutely right that joint filing is almost always better. The marriage penalty for filing separately is real, and you'd lose out on a lot of deductions and credits. Second, don't let the tax bill completely drain your savings if you don't have to. The IRS offers payment plans that are pretty reasonable. You can set up an installment agreement online and pay over time rather than all at once. The interest rate is much better than credit cards. For your business expenses, be aggressive but legitimate. Since you travel to client sites, make sure you're tracking: - Mileage between client locations (not your commute, but travel between sites) - Phone bill percentage used for business - Home office if you have a dedicated space - Any tools, supplies, or equipment you purchased - Professional development, licensing, or training costs The key is documentation. Start a simple spreadsheet or use an app to track everything going forward. One last thought - consider making quarterly estimated tax payments for 2025 starting in April. It'll prevent this same situation next year and help with cash flow. You've got this! The first year is always the hardest.