Don't forget to double check that your name is EXACTLY the same on your tax return as it is with Social Security. Even small differences (like a hyphen) between your SS card and how you file can cause matching problems. The IRS matches against SS records, not just against what your broker has.

I went through this exact same situation last year with backup withholding due to a name mismatch issue. The stress of not being able to see those funds anywhere was terrible! One thing that really helped me was keeping detailed records of EVERYTHING - screenshots of my brokerage account showing the withholding, copies of all communications with my broker, and the corrected W-9 form I submitted. When I finally got my 1099-B in January, I made sure to file my taxes immediately to get that refund processed. The other advice I'd give is to set up direct deposit for your tax refund if you haven't already. With that much backup withholding, you're looking at a substantial refund, and direct deposit gets it to you much faster than waiting for a paper check. I got my $3,200 refund in about 10 days after e-filing. Also, even though others have mentioned you can skip quarterly payments, I'd recommend running the numbers yourself or with a tax professional to make absolutely sure. Better to be conservative than get hit with penalties later!

If you want to verify your employer contributions are correct, check your annual 401k statement from the plan administrator. Mine shows both my contributions and my employer match clearly broken down by pay period. Way easier than trying to find it on tax forms since it's not reported there!

This is exactly what I was worried about when I started my 401k last year! I kept checking my W-2 over and over thinking HR had made a mistake. What helped me feel confident everything was correct was logging into my 401k provider's website and downloading the year-end summary. It clearly showed my $2,200 in contributions and my employer's $1,800 match, which matched what I calculated from my pay stubs. The summary also breaks down when each contribution was made, so you can cross-reference it with your paychecks if you want to be extra sure. Your numbers look totally normal - that $1,640.80 employer match on your $1,970.14 contribution suggests a pretty good matching formula from your employer!

Quick heads up that might save you some headache - make sure you're keeping good records for next year too! The first year in a new house always has the most paperwork and receipts. I'd recommend setting up a folder (digital or physical) just for house-related expenses that might qualify for itemized deductions. Things like property tax statements, mortgage interest, home office expenses if applicable, and even home improvements that are medically necessary can sometimes be partially deductible.

Based on your numbers, itemizing is definitely the way to go! Even with a potential $2k property tax refund, you'd still be ahead by about $3k compared to the standard deduction. Here's a pro tip from someone who went through this exact situation - contact your county appraisal district directly to verify your homestead exemption status before filing. Don't rely solely on what your mortgage company tells you. The county can tell you exactly what exemptions were applied and when. Also, since you mentioned this is your first home, don't forget about any prepaid property taxes you might have paid at closing - those are deductible too if they're not already included in your 1098. Check your closing disclosure (CD) form for any property tax prorations. One more thing - if you do end up needing to amend later due to a property tax refund, it's not as scary as it sounds. Form 1040-X is pretty straightforward, and as long as you're honest about the changes, the IRS typically processes amendments without issues. Keep all your documentation organized - you'll likely be itemizing for years to come as a homeowner!

i remember being in the same boat last year. dont worry its deffo happening

Congratulations on getting your 846 code! I can totally understand the anxiety after waiting so long. Everyone here is right - once that 846 appears with your deposit date, it's essentially locked in. The IRS has already processed everything and allocated your refund. The only thing that could affect it at this point would be if you have outstanding debts that could result in an offset, but even then the date itself stays the same. You should see your money hit your account on or slightly before the date shown. Try to relax and enjoy knowing your wait is almost over! 🎉

Has anyone had success with the "Get Transcript" tool on IRS.gov recently? Last time I tried it was super glitchy and kept logging me out.

I went through this exact same situation last year with my VA loan! Here's what worked for me: 1. Call the IRS Practitioner Priority Service line at 866-860-4259 if you have a tax professional who can help you. If not, try the regular transcript line at 800-908-9946 early in the morning (like 7 AM) - you'll have better luck getting through. 2. When you do get through, explain that you need an URGENT transcript for a mortgage closing. They have a process for expediting these requests for time-sensitive situations like home purchases. 3. Ask your lender specifically if they'll accept a "Verification of Non-Filing" letter for 2021 while you sort that mess out, and a "Record of Account" transcript for 2022 instead of the full return transcript. Some lenders are flexible on this. 4. If all else fails, see if your lender will accept a signed Form 4506-T that you can submit directly to the IRS with a note about the urgent closing date. Sometimes they can work with that. Don't panic - lenders deal with this stuff all the time and most are willing to work with you if you're proactive about communicating. Good luck with your closing!