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Ask the community...

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Axel Far

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Dont forget you might also need to file estimated quarterly taxes throughout the year depending on how much youre making. The IRS expects you to pay taxes as you earn income, not just once a year. Since you dont have an employer withholding taxes from your paychecks, you gotta do it yourself. I learned this the hard way and got hit with penalties my first year of self-employment :

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Chloe Zhang

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Is there a minimum amount you have to make before you need to do the quarterly payments? Since I only made like $4,800 last year, do I still need to worry about that?

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Axel Far

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Generally, you need to make quarterly estimated tax payments if you expect to owe at least $1,000 in taxes for the year. With $4,800 in income, you might be under that threshold depending on your expenses, but it's something to keep in mind if your income increases. The safe harbor rule is also helpful - if you pay at least 90% of your current year's tax liability or 100% of your previous year's tax liability (110% if your AGI was over $150,000), you won't face penalties even if you end up owing more. For someone just starting out with self-employment, this can be tricky to estimate.

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Quick tip - make sure your tax software is calculating your Qualified Business Income Deduction (Section 199A). This is a deduction that lets self-employed people deduct up to 20% of their business income in addition to regular business expenses. Some free tax software might not include this automatically.

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Chloe Zhang

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I had no idea about this! I'm using [popular tax software] free version. Would that include this deduction or do I need to upgrade?

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Yara Sayegh

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Most popular tax software free versions don't include the QBI deduction - it's usually only in their paid self-employment versions. You'll want to check your software's feature comparison chart, but typically you need to upgrade to get Schedule C support plus all the deductions like QBI. The upgrade cost is usually around $60-120 but can easily pay for itself if you qualify for the 20% deduction. Worth double-checking before you file!

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Yara Khoury

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Has anyone just asked their tax preparer about this? When my wife and I file jointly, our accountant actually includes a breakdown of how much each of us contributed to the total tax liability and what portion of the refund "belongs" to each of us.

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This is what we do too! Our CPA provides a detailed split showing what our separate taxes would have been, what the joint benefit was, and how the refund should be allocated. It costs a bit more but totally worth avoiding the arguments!

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Paolo Ricci

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This is such a relatable situation! My partner and I went through the same thing our first year filing jointly. We ended up using the withholding proportion method that Fatima mentioned - it felt the most fair since it directly reflects what each person "overpaid" during the year. One thing that helped us was also considering our different tax situations beyond just income. For example, I had more pre-tax deductions through my employer (401k, health insurance), which reduced my taxable income but also meant my withholding rate looked lower. We factored that into our discussion. For this year, I'd suggest going with the withholding-based split since it's straightforward and fair. But definitely consider setting up a system for next year - whether it's a joint tax account like Connor suggested or just agreeing on a method upfront so you're not debating it every April!

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How to handle missing 1099-INT for my newly 18-year-old's bank account?

This is the first time our family is dealing with significant bank interest that requires 1099-INT forms. While I received a 1099-INT from our main bank covering all our accounts, my son's account is missing from the form even though I can still access it as an authorized user. Some background: My oldest turned 18 in mid-2023, and his youth account automatically converted to a regular account with him as the primary owner. I'm still an authorized user, and his account appears in my online banking dashboard alongside my other accounts. The bank issued me a 1099-INT that includes interest from all our accounts (most checking accounts earned like $3 in interest) except his. We had some money sitting in savings long enough to earn reportable interest. I've checked the January 31 deadline has passed, and neither my son nor I have received a 1099-INT specifically for his account. I'm wondering if I should stop waiting for his 1099-INT to arrive and assume that since he's now the primary account holder, the bank isn't reporting his interest under my SSN anymore? His only income for 2024 would be about $3 in interest, so he'd be well below any filing requirement. I've always reported even tiny interest amounts through TurboTax, even without receiving the actual 1099-INT forms. Should I include his account's interest on my return without having the form, or is that incorrect now that he's 18? My main concern is that what I report won't match what the IRS receives from the bank, potentially triggering an audit. While I don't have anything to hide, I'd really prefer to avoid that headache by getting everything right the first time.

Zoey Bianchi

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One thing to consider that nobody mentioned yet - if your son's account was changed to his SSN mid-year when he turned 18, there might be partial year reporting. The bank might have reported the interest earned before his birthday under your SSN, and interest after his birthday under his. For such small amounts it probably doesn't matter much, but it's good to understand how the split works. When my son turned 18, the bank actually sent me a partial year 1099-INT for the first half of the year, and sent him one for the second half.

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That's a really good point! His birthday is in July, so there could definitely be a split. Would the bank automatically handle that splitting or would we need to request special documentation? With the amounts being so small, I'd hate to spend hours trying to get everything perfect if the IRS doesn't really care about a few dollars.

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Zoey Bianchi

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The bank should handle the splitting automatically in their reporting systems. Usually they'll only issue the 1099-INT forms if either portion exceeds the $10 threshold though, which is probably why neither of you received one. For very small amounts like $3 total for the year, the IRS truly doesn't care which return it appears on (if at all). Their matching systems are designed with thresholds that ignore these tiny discrepancies. If you're using tax software, just include any interest you're reasonably sure belongs to you, and your son can do the same if he files.

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I work at a credit union (not a tax pro) and see this confusion all the time. Here's the simple version: banks track interest by SSN/TIN for tax reporting. When your son turned 18 and became primary, the system should have switched the taxable interest to report under his SSN. Banks only send 1099-INTs when interest is $10+, which is why nobody got a form. The $3 interest is still technically taxable income, but it's so small the IRS doesn't really track it. For your records, you should only report interest from accounts where YOUR SSN is the primary tax reporting number. Your son would report his if he files (which he doesn't need to with only $3 income).

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Is this the same for all types of accounts? My teenagers have investment accounts where I'm the custodian until they're 21. Should the interest/dividends be reported on their tax returns or mine?

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For custodial investment accounts, it's different than regular bank accounts. When you're the custodian on an UTMA/UGMA account, the investment income (interest, dividends, capital gains) is typically reported under the child's SSN, but you as the custodian are responsible for filing their tax return if required. The key difference is that custodial accounts are already set up with the child as the beneficial owner from the start, so the tax reporting stays with their SSN even while you manage the account. Regular bank accounts like the original poster's situation involve a change in primary ownership when the child turns 18. If your teenagers' investment accounts are earning significant income, you'll likely receive 1099s under their SSNs and may need to file returns for them depending on the amounts and types of income involved.

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Caden Nguyen

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Just to add something that nobody's mentioned yet - when you file your amended return, make sure you include a brief explanation that you received the 1099-DIV after filing your original return. The IRS is generally understanding about these situations if you're proactive and clear about what happened. Also, check if you need to amend your state return too. Some states automatically receive federal amendment info, but others require separate amended state returns.

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Thanks for the reminder about the state return! I hadn't even thought about that part. I'm in California so I'll need to check if they automatically get the federal amendment info or if I need to file a separate amended state return. I'll definitely include a note explaining the late 1099-DIV situation when I file the amendment. Hopefully they'll be understanding.

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I went through something very similar last year with a late 1099-MISC from a consulting gig. What really helped me was keeping detailed records of when I received the form and any communications (or lack thereof) from the company. Before reporting them to the IRS, I'd suggest sending the company a brief email documenting that you received the form late and asking for an explanation. Sometimes there are legitimate reasons (like corporate restructuring issues), and having their response on record can be helpful if you do decide to report them. For the amendment process, one thing that caught me off guard was that the IRS processing time for amended returns is much longer than regular returns - typically 16-20 weeks. So don't panic if you don't hear back right away. Also, if you're owed a refund from the amendment, you won't get any interest on it, which is frustrating but just how it works. The good news is that since you're being proactive about fixing this, you shouldn't face any penalties. The IRS generally doesn't penalize taxpayers for honest mistakes, especially when they're caused by late forms from third parties.

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Just to add a bit of perspective - I've been living abroad for 15+ years and have filed Form 2555 many times. The "tax home" concept gets easier with time. A tip that helped me: keep a simple log of your physical location each day of the year. I use a Google spreadsheet with dates and countries. This helps prove your physical presence test and also documents your tax home. IRS doesn't require this documentation upfront, but if you're ever audited, having this record is invaluable.

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Alicia Stern

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Do you have a template for that spreadsheet you could share? I'm terrible at keeping track of this stuff and always scrambling at tax time to remember where I was when.

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Payton Black

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As someone who went through a similar situation when I first moved abroad, I can confirm what others have said - Australia would be your tax home established in 2017, regardless of which cities you lived in within the country. One thing I'd add that might help: since you mentioned you were initially a student and then transitioned to work, make sure you understand how this affects your qualifying period. The IRS generally considers your tax home established when you move to a foreign country with the intention of remaining there indefinitely, which can include periods of study if you later transition to work in the same country. For the Physical Presence Test, your 2-week trip to New Zealand actually works in your favor since you were still outside the US. Just make sure you count the days carefully - partial days of travel usually don't count toward the 330-day requirement. Also, since you're in Australia, don't forget to consider whether claiming the Foreign Tax Credit might be more beneficial than the Foreign Earned Income Exclusion, especially if you're in a higher Australian tax bracket. You can't use both on the same income, but you can choose whichever gives you better tax treatment.

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