im literally an accountant and getting transcripts is a NIGHTMARE even for me. the IRS website never verifies my identity so i have to mail in forms and wait forever. last time i tried getting a transcript for a client i used claimyr.com to get an agent on the phone and they were able to help immediately. talking to an agent got the transcript faxed over in 20 minutes instead of waiting weeks. just my two cents.

I've been through this exact situation! Here's what worked for me: 1. **Get your transcript online first** - Go to IRS.gov and use the "Get Transcript" tool. You'll need your SSN, filing status, and either a credit card, mortgage, or student loan account number to verify your identity. If successful, you can download the "Return Transcript" immediately. 2. **If online doesn't work** - Call the IRS transcript line at 800-908-9946. It's automated and usually faster than trying to reach a live agent. 3. **Talk to your lender** - Most mortgage companies actually prefer transcripts over full returns because they're harder to fake. Ask your loan officer specifically what they need. Also, definitely document all your attempts to contact your preparer - you might want to report them to your state's licensing board if they're completely unresponsive. That's unprofessional behavior that could affect other clients. The transcript should have everything your lender needs (AGI, income sources, filing status). Don't panic - you've got this! The IRS systems are clunky but they do work, and you have several days to get this sorted out.

Has anyone tried just using the IRS withholding calculator's suggested amounts but then adjusting the 4(c) extra withholding down by a specific amount to achieve owing what you want?

This is such a helpful thread! I'm dealing with a similar situation where the IRS estimator is giving me confusing recommendations. One thing I've learned from my tax preparer is that the W-4 form itself is really limited in how precisely it can adjust withholding. The estimator is basically trying to work within those constraints, which is why you get those seemingly contradictory instructions. For your goal of owing $1200 instead of getting a $621 refund, you're looking at reducing your annual withholding by about $1821. Since you're already mid-year, you'll need to be more aggressive with the adjustment to make up for the overwithholding that's already happened. I'd suggest starting with the estimator's 4(b) deduction amount but completely eliminating the 4(c) extra withholding. Then monitor your paychecks for a month or two to see if you're on track. You can always fine-tune from there.

Has anyone actually used a Wyoming LLC while being a digital nomad? I'm curious about the practical aspects - like do you need to hold annual meetings or anything physical, or can everything be done remotely?

As a fellow digital nomad who's been dealing with similar tax complexities, I wanted to add a few practical tips that have helped me manage multiple income streams across states: 1. **Quarterly estimated payments are crucial** - With irregular income from different sources, I set aside 25-30% of each payment into a separate tax account. This prevents the shock of owing huge amounts at year-end. 2. **Document everything with timestamps and locations** - I take photos of receipts and use GPS-tagged expense tracking. When you're working from different states, proving where expenses occurred becomes really important for deductions. 3. **Consider the "Mobile Office" strategy** - I've structured my business so that my primary work happens digitally rather than being tied to specific client locations. This helps minimize the number of states where I create substantial business presence. 4. **Don't forget about local business licenses** - Some cities/counties require business licenses even for short-term digital work. I research this before extended stays anywhere. The multi-income stream situation is definitely manageable, but staying organized from day one is key. I learned this the hard way after scrambling to reconstruct records during my first year!

The IRS is seriously understaffed rn and dealing with millions of returns. Give it time, youll get your money eventually

I'm in the exact same boat! Filed 1/28 and still stuck on "Return Received" with that same processing message. It's so frustrating seeing people who filed later already getting their refunds while we're still waiting. I keep telling myself that 21 days isn't up yet but the anxiety is real 😬 At least we're not alone in this!

Quick tip: if the only thing that changed was your banking info and not any of the actual income amounts, you probably don't have much to worry about from a tax calculation perspective. The IRS is primarily concerned with the income reporting being accurate.

This is actually a really common situation and you're handling it correctly! The fact that you have the properly marked corrected 1099-NEC with the "CORRECTED" checkbox is what matters most. The IRS portal can be slow to update or sometimes never shows the corrected version on the taxpayer side, even though their internal systems may have processed it correctly. What's important is that you file using the corrected form and keep both versions in your records. Since you mentioned this was just a change in banking information (personal to business account) but the income amounts stayed the same, this is actually a pretty straightforward correction. The IRS is primarily concerned with accurate income reporting for tax purposes. My advice: File with the corrected 1099-NEC, attach a brief note explaining you're using the corrected version, and keep both forms with your tax records. If you get any correspondence from the IRS about a discrepancy, simply provide copies of both forms showing the correction was properly issued. This happens all the time and the IRS has procedures to handle it. Don't let the anxiety get to you - you've done everything right by getting the proper correction issued!