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Ezra Collins
Just want to add something important: check Box 7 on your 1099-R form! The code there tells you what kind of distribution it was. If it shows code "G", that's a direct rollover to another retirement plan or IRA and usually isn't taxable. But if your tax software didn't properly report this, the state might think you took a taxable distribution. Also, check if any federal tax was withheld (Box 4). If there was, that's a clue that at least part of the distribution might be taxable. Most importantly - don't ignore the notice! States are very aggressive about collecting tax they think they're owed.
Quick question - I have a 1099-R with code "7" in Box 7. What does that mean? The state is saying I owe taxes but I thought I qualified for an exception.
Ezra Collins
ā¢Code "7" indicates a normal distribution, which is generally fully taxable at both federal and state levels. Unlike code "G" (which indicates a rollover), code "7" distributions don't qualify for tax-free treatment. If you believed you qualified for an exception, you may be thinking of a specific situation like being over 59Ā½ (which exempts you from the early withdrawal penalty but not the income tax), or possibly a qualified disaster distribution. These would still be taxable income even if the 10% penalty was waived.
Has anyone successfully disputed one of these notices? My mom got something similar for a 401k she supposedly withdrew from but she SWEARS she never took money out. The 1099-R is from a company she worked for 15 years ago and doesn't even have contact info for anymore. They want almost $3000 in taxes!!
Zara Perez
ā¢I successfully disputed a similar situation. The key was getting a corrected 1099-R from the financial institution. In your mom's case, she needs to track down that old employer's 401k administrator - usually a company like Fidelity, Vanguard, etc. Even if the employer is gone, the administrator should still exist. What likely happened is either an administrative change in the plan or they may have forced a distribution if the account was small and inactive for many years (some plans automatically distribute accounts under $5,000 if you're no longer an employee). If she never received the money, they might have sent it to the state as unclaimed property!
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Jamal Carter
11 Just wanted to add another option - you can request a Wage and Income Transcript directly from the IRS. It's free and shows all information reported to the IRS, including W-2 data. You can get it online through the IRS website if you create an account, or use Form 4506-T to request it by mail. The only downside is that it might not be available until May or later for the current tax year, so it might mean filing an extension if you're up against the deadline. But it's official IRS data that will match what they have on file.
Jamal Carter
ā¢7 Does the Wage and Income Transcript show state tax withholding too? Or just the federal stuff? I'm worried about both returns.
Jamal Carter
ā¢11 The Wage and Income Transcript only shows federal information, not state withholding. That's an important limitation to be aware of. For state withholding information, you'll need to contact your state tax agency directly to see if they offer a similar transcript service. Some states do have their own wage reporting systems, but it varies widely. You might need to use your federal transcript plus your bank records to make a reasonable estimate for your state withholding if you can't get the actual W-2.
Jamal Carter
18 My advice? Don't mess around with estimates if you can avoid it. Filing Form 4852 as others suggested is fine, but have you tried reaching out to your company's payroll provider directly? Often smaller companies outsource their payroll, and the provider can often give you access to your W-2 even if the employer is unresponsive. Ask coworkers where they got their W-2s from - was it ADP, Paychex, Gusto, etc? Those services usually have employee portals where you can download your tax documents directly, bypassing your employer completely.
Jamal Carter
ā¢1 I hadn't thought about contacting the payroll company directly! That's a great idea. I think they use some service called Payday or something similar... I'll have to ask my coworker. Would I need specific login information or can they look me up by SSN?
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My crazy tax day story happened when I was living in Chicago. It was pouring rain on April 15th, I had my completed return but my printer broke. Ran to the library which closed early that day, then to a FedEx which had a line out the door. Finally printed at some random hotel business center by begging the front desk person. Then realized I forgot my checkbook for the payment. Had to run 8 blocks home in the rain, grab the checkbook, then catch the last collection at the post office. Made it with 3 minutes to spare, soaking wet with a partially smudged return! Never again waited until the last day.
Paolo Ricci
ā¢Couldn't you have just e-filed? Seems like it would have saved you a lot of trouble and rain lol
This was back in 2009 when e-filing wasn't as common or user-friendly as it is today. I was also filing some complicated forms related to foreign income that the e-file systems back then couldn't handle properly. Since that rainy disaster, I've become a huge advocate for filing electronically and doing it at least a month before deadline. Now I e-file in February or March and avoid the stress completely. Best decision ever!
Amina Toure
Anybody else notice how the IRS website always crashes on tax day? Last year I waited until the final hours (my fault I know) and the payment system was completely down. Called my accountant panicking and she said "just mail a check tomorrow and you'll probably be fine." I was convinced I'd get hit with penalties but she was right, nothing happened. Tax system is held together with duct tape and prayers.
The IRS is actually surprisingly forgiving about system issues on their end. If their systems crash or have problems on deadline day, they typically don't penalize people who make a good faith effort to pay soon after. They're running on technology from the 1960s in some cases!
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Something important that nobody has mentioned yet - even if the TCJA provisions expire and the mortgage interest deduction limit goes back to $1M, many people still won't benefit from it because the standard deduction is so much higher now. My wife and I have a $600k mortgage and we STILL take the standard deduction because our itemized deductions don't exceed $27,700 (2023 married filing jointly standard deduction). So before you get too excited about the potential SALT cap removal or higher mortgage interest limits, do the math to see if you'd actually itemize at all. For many people, it won't matter.
Dylan Cooper
ā¢That's a good point, but isn't the higher standard deduction also part of TCJA and set to expire? So wouldn't the standard deduction also go back down in 2026, making itemizing more likely again?
You're absolutely right - I should have mentioned that. The increased standard deduction is indeed part of TCJA and scheduled to expire after 2025. Pre-TCJA, the standard deduction was much lower (around $12,700 for married filing jointly in 2017, adjusted for inflation). If no legislation is passed, the standard deduction would indeed drop significantly in 2026, which would make itemizing deductions beneficial for many more taxpayers. So the combination of lower standard deduction, unlimited SALT deductions, and higher mortgage interest cap could create a substantial change in tax strategy for homeowners in high-tax states.
Does anyone know if the $750k mortgage interest limit is per person or per return? My spouse and I are buying a $1.4M house and wondering if we each get $750k of deductible mortgage or if it's capped at $750k total for our joint return?
Andre Moreau
ā¢The $750k mortgage interest deduction limit is per return, not per person. So on a joint return, your total limit is $750k regardless of how many borrowers are on the mortgage. If you file separately, each spouse gets a $375k limit. This is also true for the pre-TCJA $1M limit that would return after 2025 if no new legislation passes. On a joint return it would be $1M total, or $500k each if filing separately.
Emma Swift
Here's what I learned after dealing with this exact issue: SBTPG (Santa Barbara Tax Products Group) is Intuit/TurboTax's bank partner. When you choose to pay TurboTax fees from your refund, they basically set up a temporary bank account with SBTPG, your refund goes there first, they take their cut, then send the rest to you. The fee breakdown is usually: - Your TurboTax package fee (sounds like Premium was $89) - Refund processing fee ($39-$45 depending on options) - Sometimes a state refund processing fee if you also paid state taxes For future reference, if you pay TurboTax directly when filing (with a credit card), your full refund comes straight from the IRS to your bank account with no middleman and no extra fees.
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Isabella Tucker
ā¢Do other tax filing services do this too? Or is this just a TurboTax thing? I'm trying to decide which service to use next year.
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Emma Swift
ā¢Most of the major tax filing services do something similar if you choose to pay your filing fees from your refund. H&R Block, TaxAct, and TaxSlayer all use a similar bank transfer system and charge an additional fee ($35-$45 range). The only way to avoid these fees completely is to pay for the tax software upfront when you file. Some completely free options like FreeTaxUSA charge much less for their premium versions ($15-$20), so even paying upfront is more affordable than those refund transfer fees. Credit Karma Tax (now called Cash App Taxes) is completely free for federal and state, but it doesn't offer the option to pay from your refund since there's no fee to begin with.
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Jayden Hill
Whaaaat? TurboTax charges me extra to take their money from MY refund?? That's insane! I've been using them for years and always picked that option without realizing there was an additional fee. So lemme get this straight: I pay $89 for Premium + $39 for them to take the $89 from my refund, so actually $128 total? That's almost 50% more than advertised!!! This feels super shady, like they're hiding the true cost.
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LordCommander
ā¢Yep, it's a pretty slick way for them to make extra $$. The worst part is they don't make it very clear during the filing process. It's usually buried in the fine print or shown as a "convenience fee" or "refund processing fee" in a way that doesn't really highlight what's happening.
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