Man, the IRS needs to get with the times. In this day and age, we should be able to access all this info online easily. SMH 🤦‍♂️

Pro tip from someone who's been through this nightmare - if you applied online, try logging back into the IRS website with the same credentials you used. Sometimes the EIN is still visible in your application history. Also, check your bank statements from around that time - if you paid any fees, it might help you narrow down the exact date you applied, which could help when you call the IRS. They can search by application date if you have it!

Has anyone dealt with digital nomading after establishing domicile? I'm in a similar situation but plan to travel constantly rather than settle in one foreign country. I established Florida domicile last year but now I'm worried about maintaining it while having no fixed address internationally.

This is a great question and you're smart to think about this timing! From my experience working with clients in similar situations, the 183-day rule is a good baseline, but I'd actually recommend staying a full calendar year if possible before moving abroad, especially if you're coming from a high-tax state like California or New York. The reason is that aggressive tax states often look at the "totality of circumstances" and a longer physical presence really strengthens your case. Beyond the practical steps you've mentioned (which are excellent), consider also: - Filing your next federal tax return from your new state address - Establishing medical/dental providers in your new state - Joining local professional or social organizations if relevant to your work - If you have kids, enrolling them in local schools Once you're abroad, the key is maintaining those ties to your no-tax state while NOT creating new domicile elsewhere. Keep that driver's license current, maintain your voter registration, and try to return at least once a year if feasible. Document everything - keep records of when you left the US, your foreign addresses, and any steps you take to maintain your state domicile. Also remember that while you're establishing state domicile, you'll still need to comply with federal tax obligations as a US citizen abroad, including FBAR filings and possibly FATCA reporting depending on your foreign account balances.

One detail no one has mentioned yet: Coverdell ESAs have an annual contribution limit of $2,000 per beneficiary. If your CD is maturing and you want to add more money beyond just reinvesting the existing balance, that $2,000 annual limit will apply. 529 plans, on the other hand, have much higher contribution limits - technically up to the projected cost of education in your state, which is usually $300,000+ per beneficiary. So if you're planning to add more funds for future education expenses, the 529 might give you more flexibility there. Also worth noting that Coverdell contribution eligibility phases out based on your income (starts phasing out at $190,000 for joint filers), while 529s have no income limitations.

Another consideration that hasn't been mentioned is state tax benefits. Many states offer tax deductions or credits for contributions to their 529 plans, but not for Coverdell ESAs. Since you're looking at potentially rolling over $7,200, you should check if your state offers any tax incentives for 529 contributions. For example, some states allow you to deduct up to $10,000 or more annually from your state taxes for 529 contributions. Even though this would be a rollover rather than a new contribution, some states still allow the deduction. This could provide immediate tax savings that might outweigh keeping the money in the Coverdell. Also, since your son is in 10th grade, you have time to take advantage of multiple years of potential state tax benefits if you do decide to make additional contributions to a 529 plan after the rollover.

For your $1,350 donation, here's what you need to know: 1. Keep the receipt in your records (don't send it in) 2. You'll need to fill out Form 8283 Section A (since it's over $500 but under $5,000) 3. Make sure your receipt has: - Name of the charity - Date of donation - Description of items - Statement that you received no goods/services in return 4. If your receipt is missing any information, go back to the charity and ask for a complete one I volunteer as a tax preparer and this trips up a lot of people. The biggest mistake is not getting a proper receipt at the time of donation.

Don't forget that you can only claim these deductions if you itemize on Schedule A! If you take the standard deduction (which is $13,850 for single filers in 2023), you can't also claim your donations. A lot of people miss this and try to claim both.

Is anyone else confused about whether closing costs affect the calculation? I sold my house and paid like $25k in realtor fees, title insurance, etc. Can I subtract those from my sale price before figuring out my gain?

Great question about the home improvements! I went through something similar when I sold my primary residence. You absolutely want to add those improvement costs to your basis - they can significantly reduce your capital gain. For the improvements you mentioned (roof and kitchen renovation totaling $42,000), those definitely qualify as capital improvements that increase your basis. Even if you don't have every single receipt, the IRS allows reasonable estimates for legitimate improvements. I'd suggest gathering whatever documentation you do have and making conservative estimates for anything missing. With your numbers: $425K sale price minus selling costs, minus your original $298K purchase price, minus $42K in improvements - you're likely looking at a gain well under the $250K exclusion (or $500K if married filing jointly). One tip: don't forget to include any selling expenses (realtor commissions, title fees, etc.) as they reduce your taxable gain too. TurboTax should handle the forms correctly, but definitely confirm you're reporting it as your primary residence sale to trigger the exclusion properly.