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If I could give 10 stars I would If I could give 10 stars I would Such an amazing service so needed during the times when EDD almost never picks up Claimyr gets me on the phone with EDD every time without fail faster. A much needed service without Claimyr I would have never received the payment I needed to support me during my postpartum recovery. Thank you so much Claimyr!
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Really made a difference, save me time and energy from going to a local office for making the call.
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Was a bit nervous or untrusting at first, but my calls went thru. First time the wait was a bit long but their customer chat line on their page was helpful and put me at ease that I would receive my call. Today my call dropped because of EDD and Claimyr heard my concern on the same chat and another call was made within the hour.
An incredibly helpful service
An incredibly helpful service! Got me connected to a CA EDD agent without major hassle (outside of EDD's agents dropping calls ā which Claimyr has free protection for). If you need to file a new claim and can't do it online, pay the $ to Claimyr to get the process started. Absolutely worth it!
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Used this service a couple times now. Before I'd call 200 times in less than a weak frustrated as can be. But using claimyr with a couple hours of waiting i was on the line with an representative or on hold. Dropped a couple times but each reconnected not long after and was mission accomplished, thanks to Claimyr.
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Ethan Clark
Just to add another data point here - when I had excess contributions in my Roth IRA, it was important to look at the TIMING. If you remove the excess contribution plus earnings before your tax filing deadline (including extensions), you avoid the 6% penalty tax completely and just pay regular income tax on the earnings portion. Make sure you're also looking at your specific type of retirement account (traditional IRA vs Roth IRA) as the tax implications can differ slightly.
Mila Walker
ā¢Does the 1099-R specifically show which part is the excess contribution vs. the earnings? My form just shows a total amount and I'm not sure how to separate them for tax purposes.
Ethan Clark
ā¢The 1099-R usually doesn't clearly separate the excess contribution from the earnings - it typically just shows the total distribution amount in Box 1. Your financial institution should have provided a separate statement breaking down what portion was the original excess contribution and what portion was earnings. If you didn't receive this breakdown, contact your IRA custodian immediately and ask for it. You need this information to properly report the distribution on your taxes since only the earnings portion is typically taxable (assuming you're correcting the excess contribution properly).
Logan Scott
Has anyone used TurboTax for this situation? I'm wondering if it automatically figures out where to put the 1099-R information or if I need to manually override something.
Chloe Green
ā¢I used TurboTax last year for this exact scenario. It asked me questions about the 1099-R and whether it was for an excess contribution. Make sure you enter the distribution code "P" correctly when prompted. The software should then guide you through the correct reporting, but double-check the final return to make sure it's handling it as a non-taxable return of excess contributions (except for the earnings portion).
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Zara Rashid
Just wanted to add another approach - I use an HSA that offers a debit card AND a reimbursement option. I intentionally pay for most medical expenses with my cash-back credit card, then submit the receipt for reimbursement through my HSA provider's website. This way I get the cash back rewards on those purchases. Some HSA providers even have mobile apps where you can snap a picture of the receipt and submit it immediately. The reimbursement usually hits my bank account within 3-5 business days. Plus, if you're organized enough, you can actually leave that money in your HSA to grow tax-free and reimburse yourself years later. There's no time limit on when you have to reimburse yourself as long as the HSA was established when you incurred the medical expense!
Luca Romano
ā¢Wait so you can just leave the money in there and let it grow even after you've already paid for the medical expenses? Wouldn't the IRS get suspicious if you suddenly reimburse yourself for expenses from like 5 years ago?
Zara Rashid
ā¢Yes, that's one of the best features of HSAs! There's no deadline for reimbursing yourself. You could pay for qualified medical expenses out-of-pocket today, keep careful records, and then reimburse yourself from your HSA 10 years from now if you wanted. The IRS doesn't get suspicious as long as you have proper documentation. Just make sure you keep your receipts and records showing the expense was HSA-eligible and occurred after your HSA was established. Some people intentionally do this as a strategy to let their HSA investments grow tax-free for longer. Just remember that you can't claim those same medical expenses as itemized deductions if you plan to reimburse yourself with HSA funds later.
Nia Jackson
PSA for anyone using HSAs: The IRS has a complete list of what counts as HSA eligible expenses in Publication 502. Things many people don't realize qualify: chiropractor visits, acupuncture, prescription sunglasses, pregnancy tests, smoking cessation programs, and even mileage driving to medical appointments!
StarStrider
ā¢Thanks for mentioning that! I had no idea mileage to medical appointments could count as an HSA eligible expense. Do you know if I need any special documentation for claiming mileage? And what about parking fees at medical facilities?
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Yara Nassar
Something else to consider - the W-4 form changed significantly a couple years ago. It no longer uses allowances (0, 1, 2, etc). Instead, there's a multiple jobs worksheet or you can use their online calculator. If you're still thinking in terms of "claiming 0" you might be using outdated forms or concepts. The new W-4 has a specific section for multiple jobs that helps account for exactly your situation. Check if your employers are using the current form and if you've filled it out correctly for your multiple income streams.
That's really helpful - I didn't realize the W-4 had changed that much! I haven't actually updated my W-4 in about 3 years, so that could definitely be part of the problem. Is there a specific line or section on the new form I should pay attention to for my situation?
Yara Nassar
ā¢The most important part for your situation is Step 2 of the new W-4 form. It gives you three options for handling multiple jobs: (a) using their online calculator for most accuracy, (b) using the Multiple Jobs Worksheet on page 3 of the form, or (c) a simplified method if you have only two jobs with similar pay. Since you have three jobs with different pay levels, option (a) using the Tax Withholding Estimator on the IRS website would be your best bet. It's more detailed than the worksheet and will account for your specific situation. The calculator will tell you exactly what to put on line 4(c) of your W-4 for additional withholding. Just make sure you have recent pay stubs from all three jobs when you use it.
Has anyone mentioned the "two-earner/multiple job" worksheet yet? When I worked 3 part-time jobs during grad school, my tax person showed me this worksheet on the W-4. It helped a ton with calculating the right withholding. Not sure if it still exists with the new W-4 format tho.
Paolo Ricci
ā¢The multiple jobs worksheet still exists but it's been revised. It's now part of Step 2 on the new W-4 form. It's actually more comprehensive than the old version but a bit more complicated to fill out. I found the online withholding calculator easier to use than the paper worksheet since it does all the calculations for you.
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For future reference, whenever you start a second job mid-year, you should always adjust your W-4 withholding. There's a specific checkbox on the W-4 form for multiple jobs that helps account for this exact situation. Most people skip this section not realizing how important it is.
Is it too late to do anything about it for this year's taxes? Or am I just stuck with the lower refund?
For this year's taxes, you're unfortunately stuck with the current situation. The withholding already happened in 2024, and you can't retroactively change it. However, you can absolutely prevent this from happening again. Fill out a new W-4 for both jobs right away, making sure to check the multiple jobs box or complete the multiple jobs worksheet. This will ensure the proper amount is withheld going forward and you won't have another surprise next tax season.
Has anyone tried using a different tax software? Sometimes TurboTax can be confusing with how it displays refund changes. I switched to FreeTaxUSA last year and found it was much clearer about explaining why my refund amount changed when adding forms.
FreeTaxUSA is way better at explaining these things. It has a detailed summary page that breaks down exactly how each form affects your overall tax situation. And it's way cheaper than TurboTax for basically the same service.
Diego Vargas
Something else to consider: make sure you're using the correct method for your vehicle deductions. You can either use the standard mileage rate (which was 65.5 cents per mile for 2023) OR actual expenses (gas, maintenance, insurance, depreciation, etc.), but not both. For most delivery drivers, the standard mileage rate is simpler and often more beneficial, especially if you drive a lot of miles in an older, fuel-efficient car. But if you have a newer, more expensive vehicle with high costs, actual expenses might be better. Just check that you're consistent with your method - switching between methods after using actual expenses in the first year has specific IRS rules.
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Malik Thompson
ā¢Thanks for that tip! I've been using the standard mileage rate since it seemed simpler. My car is a 2018 Honda Civic so fairly efficient. Do you know if I can deduct anything else besides mileage for delivery driving? What about hot bags, insulated containers, car phone mounts, etc?
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Diego Vargas
ā¢Yes, you can absolutely deduct those additional items even when using the standard mileage rate! The mileage rate only covers the vehicle costs (gas, maintenance, depreciation, etc.), but you can separately deduct business-specific items like hot bags, insulated containers, phone mounts, portion of cell phone bill used for business, and even specialized clothing or gear needed for deliveries. Just make sure you keep receipts for all these items and note their business purpose. These additional deductions are completely legitimate alongside your mileage deduction and can help offset your delivery income.
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NeonNinja
One more thing - if you're doing delivery driving, don't forget about quarterly estimated tax payments for 2025! Since you have self-employment income, you should be making quarterly payments to avoid penalties. I learned this the hard way my first year.
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Anastasia Popov
ā¢The quarterly tax requirement only applies if you expect to owe $1000+ in taxes for the year. Since OP is showing losses on both Schedule Cs, they probably don't need to worry about quarterly payments unless their situation changes dramatically.
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