The current RushCard processing timeline is exactly 2-4 business days after IRS approval for 78% of users. I've been tracking 142 data points from various forums. The pattern shows deposits arriving: 41% on day 2, 29% on day 3, 8% on day 4, and 22% arriving same-day as IRS approval date. Your approval was likely generated in the IRS Refund Processing System at cycle code 20240805, which would place your expected deposit between March 7-9 depending on when RushCard processes their ACH batch file.

I'm in a similar situation with RushCard - filed Feb 12th, WMR shows approved March 3rd, but still nothing in my account. Reading through these responses, it sounds like the 2-4 business day delay after IRS approval is pretty standard for RushCard. What's frustrating is their customer service keeps giving different timelines when I call. I've been checking my account obsessively every few hours, but based on what everyone's saying here, it sounds like I should expect it sometime between today and Monday. The uncertainty is the worst part when you're trying to budget around it!

Another option nobody has mentioned - have you checked if the stimulus might have come as a debit card? My wife and I nearly threw ours away because it came in a plain envelope that looked like junk mail. The card was from "Money Network" and didn't clearly say it was the stimulus payment on the envelope.

I'm dealing with a similar issue but mine is even more confusing - my transcript shows TWO different stimulus payments were issued for 2021, but I only received one of them. The first one in March 2021 came through fine, but there's a second entry in July 2021 that I never got. Has anyone else seen multiple stimulus entries on their transcript? I'm wondering if this could be related to the plus-up payments they were sending out when people's 2020 tax returns showed they qualified for more money than their initial payment. The amounts don't match what I expected though, so I'm not sure what's going on. I might try one of those services people mentioned here since calling the IRS has been absolutely useless - I've been disconnected three times after waiting over an hour each time.

Has anyone used the new "simplified home office deduction" for Schedule C? Is it better than the regular method?

Great question! I went through the same confusion when I started my photography business. Here's what I learned: For your specific situation with $12,500 in revenue and $4,800 in tracked expenses, you're on the right track. Beyond materials/packaging/shipping, you can definitely deduct: **Internet & Phone**: Yes, deduct the business portion of your internet bill. If you use it 60% for business, deduct 60%. Same with your cell phone if you use it for customer communication. **Home Office**: If that spare bedroom is used EXCLUSIVELY for your business, you qualify for the home office deduction. Calculate the percentage of your home's square footage and deduct that percentage of rent/utilities/insurance. Or use the simplified method ($5 per sq ft up to 300 sq ft). **Other common Etsy deductions you might be missing**: - Etsy listing fees and transaction fees - PayPal/payment processing fees - Photography equipment (cameras, lighting, tripods) - business use percentage - Computer/software used for business - Mileage to buy supplies or ship items - Any business books, courses, or educational materials **Documentation**: Bank statements show you spent money, but receipts show what you bought. The IRS wants to see what the expense was for. Keep digital copies of all receipts - take photos immediately since thermal receipts fade. TurboTax's categories can be confusing, but when in doubt, "Other business expenses" works for legitimate costs that don't fit elsewhere. Just include a description of what it was for. You're doing great by tracking everything from the start!

Word of warning: DO NOT just start filing returns without a strategy. I did this and ended up making things worse. I'd do these three things in order: 1- Get your transcripts like others suggested 2- Figure out which years you actually NEED to file (sometimes it's not all of them) 3- Consider filing the most recent years first, especially if you might be due refunds for any of them If the IRS has been levying your accounts already, you should definitely consider getting professional help. The free consultation with most tax resolution firms is actually worth doing just to understand your options.

Hey Caleb, I totally understand the anxiety you're feeling - I was in a similar spot about 3 years ago with 7 unfiled returns. The good news is that you're taking action now, which is the hardest part. One thing that really helped me was understanding that the IRS actually has programs specifically designed for people in your situation. Look into the Fresh Start Initiative - it's designed to help taxpayers get back into compliance with more flexible payment options and penalty relief. Since you mentioned severe anxiety, I'd suggest starting small to build momentum. Get your transcripts first (as others mentioned), then tackle just one or two recent years to start. Once you see it's manageable, you can work through the rest. Also, given that you've had some lean years financially, you might actually be owed refunds for some of those years. The IRS can't come after you for money they owe YOU, so identifying any refund years first could actually put you in a better position. The fact that you're being proactive about this instead of continuing to avoid it will work in your favor. The IRS is generally much more willing to work with people who come forward voluntarily. You've got this!

Check your wage and income transcript too. Sometimes employers report different numbers than what you put on your return

Code 570 with 971 typically means the IRS is doing a compliance review on your return, likely because of the Earned Income Credit claim. Since your AGI is $11,786 with self-employment income of $2,793, they're probably verifying your eligibility for the EIC amount. The good news is your math checks out - $427 SE tax minus $961 EIC minus $46.65 other credit = $580.65 refund. Just keep checking your transcript weekly for updates. The review usually takes 6-10 weeks from the processing date (March 20), so you should see movement by late May/early June if everything verifies correctly.