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23 Just my two cents: make sure you check if your state taxes were also affected! We fixed our federal withholding after a similar situation but completely forgot about state taxes and got hit with another bill the following year. Now we have extra withholding for both federal AND state.
15 I was in almost the exact same situation last year - dual income household, both filed as married filing jointly, and got smacked with an $8,400 bill we weren't prepared for. Here's what we learned: **Payment decision:** We ended up doing a hybrid approach. We paid about 60% immediately to reduce the principal amount that would accrue interest, then set up a 24-month payment plan for the remainder. This kept our emergency fund mostly intact while minimizing the total interest we'd pay. **For next year:** The W-4 redesign in 2020 really helps with this! We used the IRS withholding estimator (it's actually pretty user-friendly) and discovered we needed to add about $180 per paycheck in additional withholding. We split this between both our W-4s - I put an extra $90 on mine, my spouse did the same. **Pro tip:** Run the withholding calculator again mid-year, especially if either of you gets a raise, bonus, or job change. Income changes throughout the year can throw off your projections. The peace of mind from getting this fixed is totally worth the effort. We're actually on track for a small refund this year instead of another surprise bill!
That hybrid approach sounds really smart! I hadn't thought about paying part of it upfront to reduce the interest-bearing amount. Quick question - when you used the IRS withholding estimator, did it account for things like standard deduction and child tax credits automatically, or did you have to input those separately? We have two kids and I want to make sure we're not overwithholding because of credits we'll get anyway.
Wait, I think there might be some confusion in your post. You mentioned filing your federal return in February 2025, but California shows a refund issued in January 2025 - that timeline doesn't make sense since you can't get a refund processed before you even file! Are you maybe looking at last year's CA refund status by mistake? The state and federal systems are completely separate, so your CA refund status wouldn't affect your federal refund at all. For your federal return, if Where's My Refund is blank, definitely check your actual IRS transcript - that's where you'll see the real processing status. The WMR tool glitches out all the time but your transcript will show exactly what's happening with codes and dates.
Good catch on the timeline! That definitely doesn't add up. OP might be looking at 2024 tax year info or got confused between tax years. But yeah, transcript is definitely the way to go - WMR has been super unreliable this season. I've seen so many people get accurate info from their transcripts when WMR shows nothing.
Did you get any other codes? Like 570 or 971? Mine updated yesterday. Shows 3/19 DDD. First time filing with foreign income. Wondering if normal timeline.
Your timeline looks completely standard for international filers! I've been through this process several times with my 1040-NR returns. The 3/12 DDD following a Wednesday transcript update is textbook IRS processing. What's encouraging is that you didn't get hit with any verification delays - those can add weeks to the timeline. I usually see my funds arrive either the night before or morning of the DDD, depending on my bank's processing schedule. The fact that your transcript shows the 846 refund issued code means you're in the final stretch. International returns often take longer upfront due to additional verification steps, but once you reach this point, it's smooth sailing to your bank account.
Try 800-829-0582 extension 652. Call exactly at 7:00am EST. Press 1 for English then 2 for tax questions. When asked for SSN, enter it slowly. Don't press anything when asked about forms. Wait through two messages. You'll get a person about 50% of the time. I've gotten through three times using this method.
I'm going through something very similar! Filed on February 15th with solar credits and my transcript has been blank for weeks too. The "still being processed" message on WMR is so frustrating when you're expecting a refund. Reading everyone's experiences here really helps - it sounds like the solar credit forms are just causing normal delays this year. I've been checking my transcript obsessively but maybe I should just be more patient. Has anyone found that calling multiple times actually helped speed up the process, or did your returns just eventually process on their own timeline regardless?
I'm in the exact same boat as you! Filed February 8th with solar credits and have been checking my transcript daily like it's going to magically update overnight. From what I'm reading here, it sounds like calling doesn't actually speed things up - the returns just process when they're ready. I think I'm going to stop obsessively checking and try to be patient like everyone suggests. At least we know we're not alone in this waiting game! The solar credit delays seem to be affecting a lot of people this year.
Victoria Charity
FYI for everyone - the IRS is actually ahead of schedule this yr compared to last. Most ppl filing in Feb are seeing 21-day turnaround or better unless they're claiming certain credits. Path Act delays still apply for EITC/ACTC claims but those started processing after Feb 15th. WMR isn't always accurate but transcripts rarely lie. If ur transcript shows a 846 code, the $$ is on its way regardless of what WMR says. Congrats on getting paid!
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Jenna Sloan
Congratulations on getting your refund! That's a great timeline - filing on 2/13 and getting your money by early March is exactly what we all hope for. I'm curious about a few things that might help others who are still waiting: Did you use any tax software or file through a professional? Also, since you mentioned this was your first time filing jointly after marriage, did you have to provide any additional documentation or did everything go smoothly with the name/status changes? I know some people worry about potential delays when their filing status changes from previous years, so your experience could be really reassuring for others in similar situations.
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