7 I had a similar issue and found my W-2 in my Paycor account even though my employer said they "weren't ready yet." How would the original poster know if they have access? Is there a standard login page or something?

4 Yes, Paycor has a standard employee self-service portal at secure.paycor.com where employees can log in. If your employer set it up, you would have received an email invitation at some point to create your account. Even former employees typically retain access to their documents for a period after leaving. If you never set up an account, you can try the "forgot password" option using your work email, or call Paycor's employee support line at 800-381-0053 and ask if you have an account associated with your employer. Sometimes they can help reset access if you can verify your identity.

14 I reported a former employer two years ago. Called the IRS W-2 complaint line, gave all the details, and about 2 weeks later the employer suddenly emailed W-2s to everyone with a very apologetic note. Heard through a friend still working there that they got hit with some decent fines. Definitely worth reporting!

So if I understand correctly, I could leave my $2100 excess in there, pay the 6% tax one more time for 2024, but then for 2025 I would only contribute $2050 instead of the full $4150? And then everything would be back to normal going forward? That actually sounds easier than trying to get my HSA administrator to do a special withdrawal.

Exactly right! You'll pay the 6% tax ($126) one more time when you file your 2024 return, but then for 2025, you'd only contribute $2050 instead of the full $4150. This way, your total 2025 contribution (including the $2100 excess that remained in your account) equals the maximum allowed contribution. After that, everything is back to normal for 2026 and you can resume contributing the full annual limit. Many people find this approach simpler than dealing with the withdrawal process, especially if your HSA administrator has a complicated process or charges fees for excess contribution withdrawals.

The 6% excess contribution tax applies to the tax year in which the excess contribution occurred. So if you over-contributed in 2023, you'd pay the tax when filing your 2023 tax return (which you'd typically file in early 2024). If you don't correct the excess contribution by withdrawing it or using it up (by contributing less in a later year), then you'll continue paying the 6% tax in each subsequent year until the situation is fixed. That's why the original poster is facing another 6% tax for 2024 - because the excess from 2023 is still sitting in their HSA.

Did you claim EITC or Additional Child Tax Credit? Those always take longer - the IRS by law can't release those refunds before mid-February regardless of when you filed.

I use it every year and find it pretty accurate. "Still processing" usually means your return is in the queue but hasn't been reviewed yet. Don't worry too much unless it's been more than 21 days since you e-filed.

The app just pulls the same data as the Where's My Refund tool on the website. If you're seeing "still processing" after 2 weeks, it might be worth calling the IRS. Sometimes there are verification issues they need to resolve but they don't always notify you proactively.

I hadn't really considered a reverse mortgage. Are the fees for those reasonable? I've heard mixed things about them over the years. Also, wouldn't I need to be purchasing my new home before I could get a reverse mortgage on it? Since I don't currently own a property in my new town yet.

The fees can be substantial - typically 2-5% of the home's value. But compared to the tax hit from a large IRA withdrawal, it might still be advantageous. There actually is a specific type called a HECM for Purchase that lets you buy a new home with a reverse mortgage. You make a down payment (usually around 50-60% of the purchase price) and the reverse mortgage covers the rest. You'd never have mortgage payments, though you'd still be responsible for taxes, insurance, and maintenance.

A 1031 exchange wouldn't work if they're planning to live in the new property as their primary residence. The replacement property in a 1031 exchange must be used for business or investment purposes.

Is there a way to report these places? There's a tax office near me that has a giant sign saying "WE GET YOU MAXIMUM REFUNDS GUARANTEED" and they advertise that they "only charge a percentage of what they save you." Seems super sketch.