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11 If you're stuck and don't want to use those services, here's a direct way to find it: In TurboTax Free, after entering your income info, go to: 1) Federal Taxes 2) Deductions & Credits 3) Look for "Recover Rebate Credit" or "Stimulus Payment" If you still don't see it, check if you accidentally told TurboTax you already received the payments. You might need to go back and change your answer to the question "Did you receive Economic Impact Payments in 2020?
17 I found it! It wasn't under Deductions & Credits for me though. It was under "Other Tax Situations" on my version. Thanks for pointing me in the right direction!
11 Glad you found it! The TurboTax interface can vary slightly between different versions and they sometimes update the menu structure. The key is checking that "Other Tax Situations" section if you don't see it in the more obvious places.
3 Anyone else having an issue where TurboTax keeps saying I'm not eligible for the stimulus money even though I know I am? I was claimed as a dependent in 2019 but not in 2020, and I've checked all the requirements.
6 Make sure you're answering "No" to the question about whether anyone CAN claim you as a dependent for 2020 (not just whether they DID). That's a common mistake. If anyone could claim you (even if they don't), you might not be eligible.
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Arjun Patel
One thing nobody's mentioned is the $100 floor and 10% AGI limitation for personal casualty losses (for the portion that's personal use). Even for the business portion, you'll need to complete Form 4684 correctly to calculate your allowable loss. When my mountain cabin was damaged, I found that keeping a rental log showing exact days rented vs. personal use was crucial documentation. My accountant said the IRS looks closely at these mixed-use property deductions.
Mateo Warren
ā¢Thanks for adding this! I do keep detailed rental logs, fortunately. But I'm still confused about the $100 floor and 10% AGI limitation - I thought those only applied to personal casualty losses from federally declared disasters after the TCJA? Does that mean I might not be able to deduct much of anything since this wasn't a declared disaster?
Arjun Patel
ā¢You're right that currently (through 2025) personal casualty losses are only deductible if they're from federally declared disasters. So for the personal-use portion of your property, you likely can't deduct anything unless your area was declared a disaster zone. For the business/rental portion, the $100 floor and 10% AGI limitations don't apply. That portion is fully deductible as an ordinary loss on Form 4684 Section B. So if your property is used 70% for business and 30% personal, you'd potentially be able to deduct 70% of your loss without those limitations.
Jade Lopez
Random question - does anyone know if security camera installations would be deductible after a theft/vandalism incident at a vacation rental? I'm thinking of adding them to prevent future issues.
Tony Brooks
ā¢Yes, security cameras for a rental property would be a deductible expense, but they'd be depreciated as improvements to the property rather than deducted as a casualty loss recovery expense. The business portion would be deductible based on your rental/personal use allocation.
Jade Lopez
ā¢Thanks for the info! That makes sense to depreciate them as improvements. I'll make sure to track the installation costs separately from the repair expenses for the damage.
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One thing nobody has mentioned about OICs - the IRS will file a Notice of Federal Tax Lien before they process your offer. This will absolutely trash your credit score until the offer is completed. Also, you'll need to stay completely compliant with all tax filings and payments for 5 years after acceptance or they can revoke the whole deal and reinstate the original debt. Make absolutely sure you're able to stay current on taxes going forward before pursuing this. I've seen too many people get their offers accepted and then end up right back in trouble a year later.
Thanks for bringing this up - I had no idea about the tax lien or the 5-year compliance period. Does the lien stay on your credit report even after the OIC is accepted and paid? And what exactly constitutes "compliance" for those 5 years? Just filing on time or are there other requirements?
The lien is typically released about 30 days after you complete your OIC payment. However, it will remain on your credit report for several years even after it's released, though the impact lessens over time. Some lenders may be understanding once you explain it's been satisfied through an OIC. Compliance means filing all required tax returns on time and paying all required taxes when due for 5 years. This includes making estimated tax payments if you're self-employed. If you can't pay in full, you need to immediately set up an approved payment arrangement. Even one late filing or missed payment could potentially void your entire OIC agreement and reinstate the original debt plus additional interest.
Molly Hansen
I went through this exact situation! The pre-qualifier quoted me $5k on a $50k debt. I submitted everything, and the actual offer came back at $15k, which wasn't as amazing but still a huge relief. Make sure you account for all your expenses in the forms - things like food, healthcare, transportation, even minimal entertainment. The IRS allows for reasonable living expenses. The process took 9 months for me, and the waiting was stressful. But having that debt reduced to a manageable amount was life-changing. Just make sure your tax situation is stable going forward. I use QuickBooks Self-Employed now to track everything and set aside tax money automatically.
Brady Clean
ā¢Did you use a tax professional or DIY the whole OIC process? I've gotten quotes ranging from $2500-4000 just for the professional help with the OIC paperwork.
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Has anyone mentioned whether your mother had already satisfied her RMD requirement for the year before passing? If the monthly payments were just her way of spreading out her annual requirement but she'd already withdrawn enough to satisfy the IRS minimum for the year, that might affect how this distribution is viewed.
That's a good point. If the deceased had already met their annual RMD requirement, any additional distributions would be considered voluntary withdrawals rather than required distributions. That might affect how they're treated in the estate.
StarSurfer
In my experience as a beneficiary on my grandmother's accounts, you should focus on working with the IRA custodian directly rather than just the bank. Contact the IRA provider, notify them of the death, and ask specifically about any pending distributions. They can usually redirect any pending RMDs directly to the beneficiaries or halt them entirely. Don't just rely on the trust attorney or bank - they're looking at the whole estate, not necessarily advocating for proper handling of the IRA beneficiary designations.
Giovanni Mancini
22 Don't sleep on community colleges! My local CC offers a basic tax preparation course for like $175. I took it last year and learned so much practical info. The instructor was a retired IRS agent and gave us real-world scenarios to work through. Way more hands-on than just reading stuff online.
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Giovanni Mancini
ā¢1 That sounds perfect! Did the course cover self-employment taxes too? Also, was it a one-day thing or spread out over weeks?
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Giovanni Mancini
ā¢22 The course definitely covered self-employment taxes! That was actually a whole module where we learned about Schedule C, business deductions, home office rules, and self-employment tax calculations. It was really thorough. It was spread over 6 weeks with one 3-hour class per week, which was perfect for absorbing the information gradually. We'd learn concepts one week and then apply them with practice scenarios the next week. Much better than trying to cram everything into a weekend workshop. Most community colleges offer similar programs, especially between September and January before tax season starts.
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Giovanni Mancini
9 For free resources, don't forget YouTube! I learned tons from "The Taxable Talk" channel. The guy breaks down complicated tax topics into simple 5-10 minute videos. Way less boring than reading IRS publications.
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Giovanni Mancini
ā¢17 Any specific videos you'd recommend for someone just starting? There's so much content out there it's overwhelming.
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