Check your pay stub carefully to make sure "exempt" isn't checked somewhere. Sometimes if you write "EXEMPT" on your W4 (which you should only do if you had no tax liability last year and expect none this year), payroll will not withhold any federal income tax.

Don't panic! This is actually a pretty common issue and it's fixable. Since you caught it early (only 6 weeks in), you're in a much better position than if you'd discovered this in December. Here's what you need to do immediately: 1. **Get a new W4 from HR/payroll** - Tell them explicitly that federal income tax isn't being withheld and you need to correct this ASAP. 2. **When filling out the new W4**, be very clear about your filing status (Single) and consider adding extra withholding in section 4(c) to make up for what you've missed. For your income level (~$31K annually), you'll want to catch up on roughly $450-600 in federal withholding that should have been taken out already. 3. **Double-check your pay stub** after the next paycheck to confirm federal taxes are actually being withheld. The most likely culprits are: your employer entered your W4 incorrectly, accidentally marked you as "exempt," or there was a data entry error in their payroll system. This happens more often than you'd think, especially with new employees. Since you're fixing this now rather than at year-end, you shouldn't face any underpayment penalties as long as you get enough withheld for the remainder of the year. You've got this!

Don't make this more complicated than it needs to be! Here's the simple version: 1) If anyone in the household has a regular medical FSA, nobody in the household can contribute to an HSA 2) If the FSA is limited to just dental/vision, then HSA is still allowed 3) If the FSA is "post-deductible" (only kicks in after meeting deductible), HSA is still allowed I went through this whole mess last year. Ended up having my wife decline her FSA so I could max out my HSA since the HSA has better long-term benefits (investment options + no "use it or lose it" rule).

Just wanted to add another perspective for folks dealing with this FSA/HSA household issue - timing matters a lot for your decision! If you're currently in a situation where your spouse has a regular FSA that's disqualifying you from HSA contributions, don't forget that you can make changes during your spouse's next open enrollment period. Most companies have open enrollment in the fall for the following year's benefits. Also worth noting: if your spouse has a qualifying life event (like job change, birth of child, etc.), they might be able to switch from a regular FSA to a limited purpose FSA mid-year, which could open up HSA eligibility for you sooner than waiting for the next enrollment period. The key is planning ahead since these accounts have different contribution deadlines. HSA contributions can be made up until the tax filing deadline (usually April 15th), but FSA elections are typically locked in during open enrollment and can't be changed without a qualifying event. One strategy that worked for my family: we calculated the total tax savings from both scenarios (spouse FSA + my regular health plan vs. spouse limited FSA + my HSA) and found the HSA route saved us about $800 more per year, especially since we can invest HSA funds for long-term growth.

Hey, quick question - if I have ADRs from multiple countries, do I need to separate the Foreign Qualified Dividends by country? My broker's statement shows foreign tax paid from 3 different countries.

This is a great thread with lots of helpful info! I just wanted to add one more practical tip for anyone dealing with this situation - don't forget to check if your ADR company provides annual tax information packets. Many foreign companies that issue ADRs will send out detailed tax information documents to ADR holders around tax season that specifically break down qualified vs non-qualified dividends and foreign tax withholding by country. These are often posted on the company's investor relations website under "Tax Information" or "ADR Tax Documents." I found this out the hard way after spending hours trying to get info from my broker, only to discover the company had already published everything I needed in a nice PDF document. Some companies even provide pre-filled forms or worksheets that make the whole process much easier. Worth checking before going through all the hassle with brokers!

Just to add another perspective here - I've been dealing with multi-state partnership income for years and found that keeping a detailed spreadsheet is essential. You should track: 1. Each state where income is sourced 2. The type of income in each state (rental, business, etc.) 3. Whether the partnership itself files composite returns in each state 4. Each state's filing thresholds for nonresidents Not all partnerships handle state filings the same way. Some will file composite returns that cover your tax liability in their state, while others will just issue K-1s and expect you to handle the filings yourself. Also, don't forget that even if a state doesn't have income tax (like Nevada and Florida in your case), you might still have filing requirements if your partnership has presence in other states with income tax.

I think everyone is overlooking an important aspect of multi-state partnership reporting - the withholding requirements. Many states require partnerships to withhold taxes for nonresident partners, regardless of whether you ultimately need to file a return there. Check your K-1s carefully - they should indicate if any state taxes were withheld on your behalf. If taxes were withheld, you'll likely need to file a nonresident return in that state, even if you otherwise wouldn't have a filing requirement, just to get a refund of over-withheld amounts. This happened to me with a partnership that withheld Oregon state taxes at their highest marginal rate, but after applying deductions and credits, my actual Oregon liability was much lower. I had to file an Oregon nonresident return to get back about $2,300 in over-withheld taxes.

Not directly related to your immediate question but since you're just starting a new job after a gap: remember that your 2024 withholding might seem wrong all year because the system assumes you've been making that $22/hour since January. If you've been unemployed most of the year, you might end up having too MUCH withheld relative to what you'll actually owe. Just something to keep in mind when you're looking at your paychecks after fixing the current $0 withholding issue.

This is a really common issue with the redesigned W4! The good news is that it's likely fixable. Since you only filled out steps 1 and 5, the payroll system is making assumptions about your tax situation that might not be accurate for your specific pay schedule and start date. Here's what I'd recommend: Wait for your next full two-week paycheck to see if withholding appears once the system has better data about your actual earning pattern. If there's still no FITW on that check, you'll need to submit a new W4 with an additional withholding amount in Step 4(c). A quick calculation: At $22/hour for 40 hours/week, you're looking at about $45,760 annually. Even with the standard deduction, you'd owe roughly $3,900-4,200 in federal taxes for the year. If you end up needing to add extra withholding, putting around $80-85 per paycheck in Step 4(c) should get you close to the right amount. Don't panic though - catching this early means you have plenty of time to correct it before tax season!