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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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Pro tip on fixing your withholding: If you and your spouse both work, the simplest way to handle it is to check the box in Step 2(c) of the W-4 form that says "If there are only two jobs total..." This basically tells your employer to withhold at a higher single rate. It's not perfectly precise but it's way better than what you were doing. Or if you want to be more accurate, use the IRS Withholding Estimator tool and it'll give you the exact extra amount to put on line 4(c) for additional withholding per paycheck.
Thanks! Is there any downside to just checking that box instead of doing the more complicated worksheet? I'm worried about overwithholding now and giving the government an interest-free loan.
The main downside is that it might withhold slightly more than necessary, which means you'd get a refund instead of owing. For most people, that's preferable to owing a large amount, but you're right that it's essentially giving the government an interest-free loan. If you want to get it more precise, the IRS Withholding Estimator is much easier than the worksheet and gives more accurate results. You just enter your and your spouse's income, current withholding, and expected deductions. It then gives you specific numbers to put on your W-4. I recommend redoing this calculation mid-year to make any needed adjustments.
Have you thought about asking for an extension? Filing Form 4868 gives you until October to FILE, but important note - it DOESN'T give you an extension to PAY. You'd still need to pay what you estimate you owe by April 15 to avoid additional penalties and interest.
This is actually not great advice. An extension doesn't help when you already know you owe money. The extension is just for filing paperwork, not for paying. If anything, filing ASAP and setting up a payment plan is better because then you have official arrangements with the IRS.
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Has anyone else noticed that Go2 Bank seems to have a lot of these "surprise" limitations? My cousin had issues with them restricting transfers above $10k without additional verification, which caused him to miss a house deposit deadline. Their customer service was completely unhelpful too.
YES! I had a similar experience with withdrawals! They limited me to $3k per day without warning when I needed to pay for emergency home repairs. When I called customer service, they said I should have read the "digital disclosures" that apparently I agreed to. Never again.
This is really concerning to hear. I've only had the account for about 6 months and haven't tried to make any large transactions until this tax payment. Now I'm definitely reconsidering keeping my money there. Thanks for sharing your experiences.
I had the opposite problem last year - my bank processed my large tax payment but then froze my account for "suspicious activity"! Took three days to get it unfrozen. For payments this large, I've learned to call the bank BEFORE making the transaction to let them know it's coming and to confirm any limits. Saves a lot of headache. Pro tip: If you're cutting it close to the deadline, you can also file Form 4868 for an automatic extension to file (though you still need to pay the estimated amount by the original deadline to avoid penalties).
Does Form 4868 help if you've already calculated your taxes and know the exact amount? I thought that was just for extending the filing deadline, not the payment deadline?
You're exactly right - Form 4868 only extends the filing deadline, not the payment deadline. You still need to pay your estimated tax by the original due date to avoid penalties and interest. However, filing the extension can still be useful in this situation because it gives you more time to sort out the payment issues and properly file your return without the additional pressure of the filing deadline. If there are any complications with the split payments or processing time, at least you won't have the added stress of rushing to complete your return at the same time.
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Just want to add that you shouldn't stress too much about this. I had a similar situation with a missing 1099-G in 2021. As long as you file the amendment within 3 years of your original tax return due date, you're generally fine. I waited about a month after getting my refund to file the amendment, and everything went smoothly. Also make sure you're using the right form - you'll need Form 1040-X for the amendment. FreeTaxUSA should be able to help you prepare that too.
Thank you all for the advice! I feel much better about waiting now. Quick follow-up question - once I do get my refund, should I file the amendment immediately or is there any benefit to waiting a bit longer? And will FreeTaxUSA walk me through the process step by step?
I'd recommend waiting about 2-3 weeks after receiving your refund just to be sure everything has fully processed in the IRS systems. That timing worked well for me with no issues. Yes, FreeTaxUSA has a pretty straightforward amendment process. When you log in to your account, there should be an option for "Amend Return" that will walk you through each step. It will pull all your original information and then guide you through adding the 1099-G details. It automatically generates the 1040-X form with the correct before/after columns that the IRS requires.
Did anyone else's state stop sending 1099-G forms altogether? I'm in California and they just expect everyone to know to go download them... no email, no notification, nothing! I almost made the same mistake.
Georgia does the same thing! I had to go hunting for mine this year too. They claim they send an email notification but I never got one. I think most states are moving this direction to save money on postage.
Thanks for confirming I'm not alone! Makes me feel slightly better about missing it. I really wish they'd at least send a text or email reminder that the forms are available. Seems like states are saving money at the expense of taxpayer convenience.
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Don't overthink this at the beginning. I started freelancing 2 years ago and stressed WAY too much about the perfect setup. Just keep good records, save 30% of everything you make for taxes (seriously, in a separate savings account), and track your business expenses. You can file as a sole proprietor with a Schedule C. Don't rush into forming an LLC until you really need it.
The 30% saving advice is so important! I only saved 20% my first year and got hit with a huge tax bill I wasn't prepared for. Plus penalties for underpaying throughout the year!
One quick tip that helped me when starting out - if your client is willing to hire you as a temporary W-2 employee instead of a contractor, there are pros and cons to consider. As a W-2, they handle all tax withholding, pay half your Social Security/Medicare taxes, and you don't deal with quarterly payments. Simpler for you tax-wise. As a 1099 contractor, you get more freedom, can deduct business expenses, and potentially make more money - but have more tax responsibilities. If this is truly a one-off gig, W-2 might be simpler. If you're building a freelance business, starting with 1099 makes more sense long-term.
Aisha Patel
Something else to consider - the way you handle this might depend on how the original bonus was paid out and taxed. If the bonus was included in your regular paycheck and had standard withholding, that's different than if it was paid as a separate check with the flat 22% supplemental rate. Also, did your employer give you back the Social Security and Medicare taxes that were withheld on the bonus? Those are separate from income tax and are handled differently for repayments.
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Miguel Hernández
•The bonus was paid separately with the 22% supplemental rate when I first received it. My employer hasn't mentioned anything about Social Security or Medicare taxes being returned to me - is that something I need to specifically ask them about?
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Aisha Patel
•Yes, you should definitely ask your employer about the Social Security and Medicare taxes. When you repay wages in the same year you received them, employers typically adjust everything including those taxes. But for repayments that cross tax years (like yours), the employer is only required to provide documentation of the repayment. For the Social Security (6.2%) and Medicare (1.45%) taxes withheld on that bonus, you'll need to specifically request a refund of those amounts from your employer. They're not automatically included in the Claim of Right calculation. If your employer won't refund these directly, you may be eligible to claim them as a credit on your tax return using Form 8919, but that gets complicated so you might want to consult with a tax professional about the specific process.
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LilMama23
Make sure your employer is going to issue you the correct documentation. You'll need a W-2c (corrected W-2) for the repayment, or at minimum a letter from them documenting the repayment plan and amounts. Without proper documentation, claiming this credit can be a red flag for audits.
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Dmitri Volkov
•This is super important! My brother had to repay a bonus and his company didn't provide proper documentation. He got audited and it was a huge mess. Make sure to get everything in writing from your employer.
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