Wait, you can just put $0 if you can't find your AGI? Is that legit or will it cause problems? I'm in a similar situation and getting frustrated.

You should only enter $0 if you truly didn't file taxes last year or if you're a first-time filer. It's not a workaround for when you can't find your AGI - the IRS will reject your return if you put incorrect information. If you filed last year, you need your actual AGI. The IRS uses it as a security verification measure to prevent fraud. Your best bet is to either access your previous return or get a tax transcript from the IRS as others have mentioned.

Did they charge you anything for that? Their website makes it seem like you need to pay for customer support if you used their free version.

That's a great point I hadn't considered! I'm in Georgia, so I think we do have state income tax. How do I figure out if I need to have state tax withheld? Is that a separate form or the same W-4?

Depends on your state. Some states use the federal W-4 information, while others have their own separate state withholding forms. Georgia uses a state-specific form called the G-4. You should talk to your payroll department and ask for a G-4 form to adjust your state withholding. Based on your income, you probably still qualify for some state exemptions, but Georgia's thresholds are different from federal, so you might still owe some state tax even if you don't owe federal.

This is actually not great financial advice. If you're confident you won't owe taxes, having extra withheld is just giving the government an interest-free loan of your money for the year. You could put that same $10/week into a savings account and at least earn some interest on it.

That's super helpful! I didn't realize I could estimate and amend later. I do have most of my insurance EOBs and could probably get the pharmacy summaries easily. Would bank statements showing payments to medical providers be acceptable if I can't get the detailed receipts?

Bank statements can be supporting documentation, but they're not ideal on their own since they don't show what the payment was specifically for. The IRS wants to know that the expenses were medically necessary and not for something like cosmetic procedures. Your best approach is to use the EOBs from your insurance company - they typically show both what was covered and what you paid out of pocket. Most insurance providers have online portals where you can download a full year's worth of statements. Also contact your pharmacies for medication summaries, which they can usually provide immediately. Between those two sources, you might account for 80-90% of your expenses without much hassle.

I second this! I have a chronic condition too and didn't realize I could deduct all the travel to specialists (400 miles round trip several times a year). Also deducted my CPAP supplies, air filter for allergies (with doctor's note), and even the portion of my utilities for the medical equipment. Added about $3k to my deduction!

Can you explain this with an example? I'm not sure I understand how the math works out.

Sure! Let's say you bought stock for $1,000 several years ago, and now it's worth $2,500. If you sold it, you'd pay capital gains tax on the $1,500 profit - which might be $225 if you're in the 15% capital gains bracket. Instead, if you donate that stock directly to charity, two things happen: First, you get a deduction for the full $2,500 current value (if you itemize). Second, you completely avoid paying the $225 in capital gains tax you would have owed if you sold it. So compared to selling the stock and donating cash, you save an extra $225 in taxes.

Unfortunately, that special provision expired. During the pandemic, the CARES Act allowed people to deduct up to $300 ($600 for married couples) in charitable donations without itemizing. But that was temporary and is no longer available for current tax years. For 2025, you'll need to itemize deductions to get any tax benefit from charitable giving. That said, it's always worth checking for new tax laws as we get closer to filing season, as Congress occasionally introduces new provisions.

Good point! I work for an insurance company (not giving official advice here) but generally we want the insurance policy to be in the name of the person who has "insurable interest" - which is usually the titled owner. But there are options like adding the driver as a regular operator or sometimes having a non-owner policy.