Have you checked your transcript on the IRS website? Sometimes that shows codes and pending actions that the "Where's My Refund" tool doesn't show.

I feel your frustration completely - being broke and waiting on money you desperately need is one of the most stressful situations. A few things that might help while you're waiting: 1. Contact your utility companies and landlord ASAP to explain the situation. Many have hardship programs or will work with you if you communicate proactively rather than just going silent. 2. Check if your state has emergency rental assistance programs - many still have COVID relief funds available for exactly this situation. 3. Look into local food banks and assistance programs to free up any money you do have for rent/utilities. 4. If you filed with a tax prep company, call them about the refund advance status - that's completely separate from your IRS processing timeline. The "still being processed" status is unfortunately the new normal this year, but hang in there. Most people are seeing movement around the 3-week mark, so you should hopefully see progress soon. Document everything about your financial hardship in case you need to escalate to the Tax Advocate Service.

Just want to add a important warning: if you worked remotely for your California company while living in Maryland, you might have Maryland AND California income tax obligations for that portion of the year! California is super aggressive about taxing remote workers of CA companies. When you moved to TN, make sure you formally notified your employer of your new address and had them update your state tax withholding. Check your recent paystubs to confirm they're no longer withholding Maryland or California taxes.

Hey Diego! As someone who recently went through a similar multi-state move situation, I wanted to share a few practical tips that might help you navigate this. First, definitely gather all your documentation showing when you established Tennessee residency - lease agreement, driver's license change date, voter registration, etc. This timeline will be crucial for determining which state has taxing rights on your capital gains. Since you mentioned you're 22 and just starting out, there's a good chance your total income might qualify you for the 0% federal long-term capital gains rate (currently applies if your taxable income is under $47,025 for single filers in 2024). That could save you a significant amount on the federal side. For the state piece, you'll likely need to file as a part-year resident in Maryland for the period you lived there, but the capital gains realized after establishing Tennessee residency should escape state taxation entirely since Tennessee doesn't tax capital gains. One thing I'd recommend is keeping detailed records of when you physically moved, when you changed your address with various institutions, and especially when you updated your information with your brokerage. The timing of these changes relative to when you sold your stocks will matter if either state questions your residency status. Also, double-check that your brokerage has your current Tennessee address on file - you don't want tax documents being sent to your old Maryland address next year!

The W-9 is actually not the correct form for 401k withdrawals. You should be filling out a distribution form from your 401k provider, not a W-9. A W-9 is generally used for independent contractors or when you're receiving certain types of payments where the payer needs your taxpayer info.

I went through this exact same situation last year when I did a 401k withdrawal. The brokerage definitely can require a W-9 even though you're also filling out distribution paperwork with your plan administrator. It's because they need your taxpayer information on file for their own reporting requirements to the IRS. You're absolutely right to select "Individual/sole proprietor or single-member LLC" - that's the correct box for regular employees like us. The form language is confusing because it's designed to cover multiple scenarios, but as an individual taxpayer (not a corporation or partnership), that first option is what you want. One thing I wish someone had told me - make sure you understand exactly how much tax will be withheld from your withdrawal. The default withholding might not be enough to cover what you'll actually owe, especially if the withdrawal bumps you into a higher tax bracket. I ended up owing more at tax time because I didn't plan for that properly.

Does anyone know how long it takes for an amended return to be processed? I filed mine to claim the education credit like 2 months ago and the "Where's My Amended Return" tool still just says received.

Hey Freya! I was in almost the exact same situation last year - got my 1098-T weeks after filing and panicked about missing out on the education credit. Don't worry, you can definitely still claim it! You'll need to file an amended return using Form 1040-X. The process isn't too complicated once you understand it. First, gather all your education documents - your 1098-T, receipts for any out-of-pocket education expenses, and records of any scholarships or grants you received. The American Opportunity Credit is probably your best bet if you're in your first four years of college and enrolled at least half-time. It can get you up to $2,500, with up to $1,000 being refundable (meaning you can get it back even if you don't owe taxes). You'll need to complete Form 8863 (Education Credits) along with your 1040-X. Make sure to check how your scholarships/grants were applied - you can only claim the credit for expenses you actually paid out of pocket, not those covered by tax-free aid. The IRS is pretty backed up right now, so expect the amended return to take 12-20 weeks to process. But it's definitely worth it for potentially getting that money back! Don't let the paperwork intimidate you - thousands of students go through this same process every year.

I received my refund last week after seeing the 846 code. Compared to my neighbor who filed a simple W-2 only return, my processing with retirement accounts took about 18 days longer. Your timeline seems consistent with what I've seen for returns that include Schedule D or Form 8606 distributions. The IRS seems to be moving faster this year than last year, when similar returns were taking 35-40 days for processing.

Congratulations on finally getting your 846 code! As someone who's been through this process multiple times with retirement income, I can relate to the anxiety of waiting and trying to decode all those transcript updates. The processing times for returns with Social Security and investment distributions have definitely been longer this year - I've seen similar 3-4 week delays in my community. One thing I learned from my tax preparer is that the IRS has been extra cautious with retirement income verification since the SECURE Act changes. Your timeline actually sounds pretty typical for returns that include both SS adjustments and investment distributions. The good news is that once you see that 846 code, it's a done deal - no more processing surprises. For future reference, I keep a simple spreadsheet tracking my filing date, transcript update dates, and any code changes. It helps me understand my personal processing pattern and reduces the stress of not knowing what's happening. Thanks for sharing your experience - it's helpful for others going through the same thing!