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Dylan Fisher
One thing nobody's mentioned yet - don't forget about state-specific issues! I'm in Minnesota too, and our state has some quirks regarding pass-through entities. If you elect S-Corp status federally, Minnesota automatically treats you as an S-Corporation for state tax purposes too. You'll need to file Form M8 annually (MN's S-Corp return). Also be aware that MN has a minimum fee for S-Corps that starts at $100 if your MN-sourced property, payroll, and sales total at least $1,020,000. For banking, I've had a good experience with Firefly Credit Union - much better rates than the big banks and they actually understand small businesses. Their business checking has no monthly fee if you maintain a $1,500 balance.
Zadie Patel
ā¢Thanks for the Minnesota-specific info! I hadn't even thought about state-level considerations. Is the Form M8 complicated? And that minimum fee threshold seems really high - I'm definitely not going to hit $1,020,000 anytime soon, so that's good to know! I'll definitely check out Firefly Credit Union - that $1,500 minimum balance seems totally manageable. Do they have good online banking too?
Dylan Fisher
ā¢The Form M8 isn't too bad - if you're already preparing federal Form 1120S for your S-Corp, the M8 uses much of the same information. Most tax software automatically generates it when you prepare your federal return. And yes, that minimum fee threshold is high - most small service businesses won't hit it for years, if ever. Firefly's online banking is surprisingly good for a local credit union. Their mobile app lets you deposit checks, transfer funds, pay bills, and even integrates with QuickBooks if you're using that. I've found their customer service to be much more responsive than when I was with Wells Fargo - you can actually talk to the same person consistently when you have questions.
Edwards Hugo
Just wanted to add my experience as a marriage counselor who went through this last year. S-Corps have benefits but also hidden costs that nobody warned me about: 1) You'll likely pay $800-1,500 more annually for tax preparation since S-Corp returns are more complex 2) You need workers comp insurance on yourself as an employee in some states 3) Quarterly payroll filings are required even if you're the only employee 4) Some retirement plans are more complicated with S-Corps I went with an LLC taxed as an S-Corp and saved about $4,300 in self-employment taxes my first year, but probably spent half that on additional administrative costs. Still worth it, but the savings weren't as dramatic as I expected.
Gianna Scott
ā¢Can you share what tax filing software you used for your S-Corp? I'm trying to decide if I can handle this myself or if I need to budget for an accountant.
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I'm a bit confused about why this announcement matters. Haven't the rates been at 7% for a while now? I feel like I'm missing something about why this is newsworthy.
CosmicCowboy
ā¢It's notable because with all the recent Fed changes, people were expecting the IRS rates to change too. The fact that they're keeping them stable suggests they believe the current economic conditions and inflation outlook are stable. For taxpayers who have payment plans or are dealing with back taxes, any change in these rates can significantly impact how much they end up paying over time. For example, I've been paying down a tax debt from 2022, and a 1% rate change would affect my total cost by hundreds of dollars.
That makes sense, thanks for explaining. I hadn't made the connection to the Fed rate changes. I guess it's good news for anyone with payment plans since the rate isn't going up. My friend has been paying off a pretty substantial tax bill from a few years ago, so I'll let him know the rate is holding steady. He's been worried about the possibility of increases making his payment plan more expensive.
Pro tip: If you're going to owe taxes next year, consider opening an IRS-approved payment plan early. Even with the 7% interest, the payment plan can be way more manageable than trying to come up with a lump sum. Last year I owed about $5,300 and set up a monthly plan. Yes I paid some interest, but it was worth it to avoid the stress.
Javier Cruz
ā¢Does setting up a payment plan affect your credit score? I might need to do this this year but I'm also trying to buy a house soon and don't want anything negative on my credit report.
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Diego Rojas
I went through something similar with deducting my real estate licensing courses from my rental income. The key question the IRS asked me during a review was whether I was already established in the business BEFORE taking the courses. Since I had owned and managed rental properties for 3 years before starting the courses, I was able to successfully argue that I was improving skills in my EXISTING business, not preparing for a new one. Make sure you have documentation showing you were already operating as a landlord before starting your MBA.
That's really helpful! I've been operating my rental properties for about 4 years now, so sounds like I'm in a similar situation to yours. How detailed did you have to get with your documentation? Did you keep syllabus info for each course to show relevance?
Diego Rojas
ā¢Yes, documentation was crucial. I kept copies of all course syllabi and highlighted specific modules that directly related to property management, tenant relations, and real estate finance. I also maintained a simple log noting when and how I applied specific concepts from my courses to my rental business. For example, when I redesigned my lease based on contract law principles from a course, I documented that change with dates and notes. The IRS didn't ultimately request all of this during my review, but having it ready demonstrated I was serious about the legitimate business purpose. Also keep records showing your rental business was established before starting courses - tax returns showing rental income, business licenses, property management records, etc.
Don't forget that if you're taking these courses to move into a different type of real estate business (like going from residential landlord to commercial property development), the IRS might consider this qualifying for a new trade or business, which would make the expenses non-deductible. Also, if your MBA would qualify you for a substantial promotion at a job unrelated to your rental properties, that could also disqualify the deduction. The "same general type of work" test is crucial here.
This is an important distinction. I tried deducting real estate courses a few years back and got audited because they determined I was using the education to expand into commercial real estate when I had only been managing residential properties before. The expansion was considered a new business category by the auditor.
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Rudy Cenizo
What nobody's mentioning is the Qualified Business Income Deduction (Section 199A) which gives most self-employed people a deduction equal to 20% of their qualified business income. This is available regardless of whether you're a sole proprietor or have an S-corp. It's basically a tax break designed for small business owners.
Natalie Khan
ā¢Does the QBI deduction apply if you're doing gig work like DoorDash? I'm confused about whether that counts as a "qualified" business.
Rudy Cenizo
ā¢Yes, gig work like DoorDash typically qualifies for the QBI deduction. Any income you report on Schedule C as self-employment income generally qualifies, with some exceptions for certain service businesses at higher income levels. The deduction is calculated as 20% of your net business income after expenses, so make sure you're tracking all your mileage and other business expenses to maximize your deduction. For most gig workers, this ends up being a significant tax savings without requiring any special business structure or additional paperwork.
Daryl Bright
Just to complicate things further - if your business is making really good money (like over $100k profit), you probably DO want to look into an S-Corp. I saved over $13k in self-employment taxes last year by switching from sole prop to S-Corp for my consulting business.
Sienna Gomez
ā¢Totally this! My accountant had me switch to an S-Corp once I hit about $80k in profit and I'm saving a ton on SE taxes. But for smaller businesses its probably not worth the extra hassle and fees.
Nia Jackson
I've been a tax preparer for 5 years and see this Roth confusion all the time. Here's a quick rule of thumb for everyone: money comes out of a Roth IRA in a specific order according to IRS rules: 1) Regular contributions come out first (always tax-free) 2) Conversion contributions come out next (might be taxable within 5 years of conversion) 3) Earnings come out last (taxable unless you're 59Ā½+ AND 5+ years from first Roth contribution) So if you're SURE you've only withdrawn less than your total contributions, then it's 100% not taxable regardless of age or what the 1099-R says. Your tax software just needs to be told this is a "return of contributions" not taxable income.
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NebulaNova
ā¢What about using my Roth IRA for a first-time home purchase? I heard there's a special exemption? I'm 34 and have had my Roth for 6 years.
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Nia Jackson
ā¢For first-time home purchases, you're in luck with that exemption! You can withdraw up to $10,000 of EARNINGS (not just contributions) from your Roth IRA without the 10% early withdrawal penalty for a first-time home purchase. And since you've had your Roth for more than 5 years, those earnings would actually be completely tax-free too. Remember, your contributions always come out first and are always tax-free regardless. The $10,000 exemption is specifically for the earnings portion, which would normally be taxable if you're under 59Ā½. Since you've satisfied the 5-year rule and are using it for a qualifying first-time home purchase, you get the best of both worlds.
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Mateo Hernandez
Just to add to the confusion - I've had issues with backdoor Roth contributions being incorrectly reported on my 1099-Rs too. The whole "pro-rata" rule makes everything super complicated when you have both traditional and Roth IRAs. Anyone else deal with this nightmare?
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Aisha Khan
ā¢Omg yes. I did a backdoor Roth last year and got hit with a surprise tax bill because I didn't realize I had an old Traditional IRA from a previous job with like $3k in it. Made my entire conversion partially taxable because of that stupid pro-rata rule. Now I'm trying to reverse it somehow.
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