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Just to clarify something important - there's a difference between a qualified employer annuity plan (like a 403b) and actually annuitizing your retirement savings. Many employer "annuity" plans don't automatically provide lifetime income - they're just tax-qualified retirement plans that give you the OPTION to convert to an annuity later, but you don't have to. I think people get confused about this all the time.
Wait, so when my work says I have an annuity plan option, I might not actually get guaranteed income for life? That's literally the only reason I was considering it!
That's exactly right. Many employer "annuity plans" are really just tax-qualified retirement savings vehicles that give you the option to convert to an income annuity when you retire, but don't require you to. When you retire, you typically have several options for what to do with the money - take a lump sum, set up systematic withdrawals, roll it over to an IRA, OR convert it to an income annuity. Unless you specifically choose the annuity option at retirement, you won't automatically get guaranteed lifetime income. I'd suggest asking your HR department for the Summary Plan Description which should clarify exactly what options will be available to you at retirement.
My company added a qualified annuity option last year alongside our 401k. I did some research and ended up splitting my contributions - 10% to 401k invested in index funds for growth and 5% to the annuity for guaranteed income later. Best of both worlds! The annuity portion will give me a base of guaranteed income in retirement, and the 401k gives me growth potential and flexibility. Both are tax-deferred.
That's exactly what I was thinking of doing! Did you find any downsides to splitting contributions this way?
Can you have both a 401k and qualified annuity at the same company? I thought it was usually one or the other. Do they share the same annual contribution limit?
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Something not mentioned yet that's important with these inflation adjustments - the Lifetime Learning Credit and American Opportunity Tax Credit phase-out thresholds have also increased. Important for parents with kids in college or anyone taking classes themselves. For 2025, the AOTC begins to phase out at $90,000 (single) and $180,000 (married filing jointly). That's about a 5% increase from 2024. The full LLC phases out between $80,000-$90,000 for single filers and $160,000-$180,000 for joint filers. Also, contribution limits for retirement accounts have increased. IRA contribution limit is up to $7,000 ($8,000 if you're 50+) and 401k limit increased to $23,500 ($30,500 for 50+).
Do you know if the Child Tax Credit amount changed too? I have 3 kids and that makes a huge difference in my refund every year.
Yes, there are changes to the Child Tax Credit for 2025 as well. The maximum credit amount remains $2,000 per qualifying child, but the refundable portion (Additional Child Tax Credit) maximum has been inflation-adjusted to $1,700 per qualifying child (up from $1,600 in 2024). The income thresholds where the credit begins to phase out have also been adjusted upward. For 2025, phaseout begins at $210,000 for married filing jointly and $160,000 for other filers. With 3 kids, that could potentially mean an extra $300 in refundable credits depending on your income level.
Has anyone seen what's changing with the health insurance premium tax credit for 2025? I'm on an ACA plan and these inflation adjustments usually affect the subsidy amounts too.
The premium tax credit thresholds are definitely adjusted for 2025. The amount of premium you're expected to contribute based on your income percentage has been adjusted downward slightly. Also, the federal poverty level guidelines used to calculate the credit will be the updated 2025 numbers, which typically means larger subsidies for most people. If you're near 400% of the federal poverty level, the American Rescue Plan provisions that removed the "subsidy cliff" have been extended through 2025, so you'll still benefit from that regardless of income.
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When I started getting contractor income, my taxes got way more complicated. That "selecting" section might be about selecting if you had self-employment income. If you're using tax software, just answer honestly about having contractor income and it should guide you through the right sections. The most important thing is keeping good records of any business expenses. Even if you just drive for Uber on weekends or do some freelance work, track your miles, supplies, portion of phone bill, etc. These deductions can significantly reduce what you owe on that income.
Is there an easy way to track all this stuff for next year? I'm just starting some side gig work and tax season already seems daunting.
just so you know, that contractor income means you'll probably owe more taxes than you're expecting. I made that mistake my first year - didn't set aside enough and got hit with a big bill. selfemployment tax is like 15% on top of regular income tax!! make sure to look into quarterly estimated payments for next year if you're continuing the contractor work. otherwise you might get hit with penalties too. wish someone had told me this my first time!
Oh no, I had no idea about the extra tax! Do you think I'll owe a lot on $3,400 of contractor income? I'm already getting a small refund from my W-2 job so I was hoping that would cover any extra taxes.
on $3,400 you're looking at around $480 just for self-employment tax (social security and medicare) before regular income tax. your refund might cover it, but it's definitely eating into what you would have gotten back. for next year, a good rule of thumb is to set aside about 25-30% of any contractor income for taxes. and yeah once you hit around $1000 in expected tax liability from self-employment, you're supposed to make quarterly payments to avoid underpayment penalties. it's a pain but better than a surprise bill!
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One thing to keep in mind - the deadline for filing 1099s was January 31st. If you're filing corrections after this date, you might be subject to penalties depending on how late they are and the nature of the correction. The penalty structure is: - Within 30 days: $50 per form - After 30 days but by August 1: $110 per form - After August 1: $290 per form Penalties can be reduced if you can show reasonable cause for the delay or error.
The good news is that penalties for corrections typically apply from when the correction is due, not the original deadline. Since you filed the original forms on time, and you're correcting within 30 days of the original deadline, you should be in the lowest penalty tier if they assess one at all. Often the IRS is reasonable about corrections, especially for small businesses making good-faith efforts to correct mistakes promptly. Make sure to keep documentation of when you discovered the error and how quickly you acted to correct it in case you need to show reasonable cause.
Oh no, I didn't even think about penalties! My original forms were sent before the deadline, but the correction is happening about 2 weeks after. Do they count the
Has anyone else noticed that the IRS has been MUCH slower processing paper forms this year? I submitted some 1099 corrections in January and the IRS still hasn't processed them according to my business account. Just pointing this out so you don't panic if it takes a while to see the updates reflected.
Totally agree. I e-filed mine and even those took forever. I heard they're still catching up from staffing shortages and budget cuts.
Charlotte White
If you're amending your 2019 return, be careful about how it might affect other tax years too! I amended my 2019 return last year to add some income I forgot, and it ended up changing my AGI which affected my 2020 taxes and some tax credits I claimed. Make sure you consider the ripple effects! Also, from my experience, be super organized when preparing your 1040-X. I made a spreadsheet showing all the original numbers, what changed, and why. This helped me fill out the form correctly and write a clear explanation. The IRS actually processed mine faster than expected (about 12 weeks).
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Admin_Masters
•Did you amend your 2020 return as well then? I'm in a similar situation where my 2019 amendment might affect my 2020 filing and I'm not sure if I should wait until the 2019 amendment is processed before filing my 2020 amendment.
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Charlotte White
•I actually didn't need to amend 2020 in my case. The AGI change only affected my Recovery Rebate Credit calculation, which the IRS adjusted automatically when they processed my 2020 return. They sent a letter explaining the adjustment. However, your situation might be different depending on what's changing on your 2019 return and how it impacts 2020. If you have credits or deductions that carry over between years, you might need to amend both. I'd recommend completing your 2019 amendment first, calculating what your correct 2020 return should have been, and then determining if the difference warrants filing another amendment. You don't need to wait for the 2019 amendment to be fully processed before filing the 2020 amendment, but it helps to do them in order.
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Matthew Sanchez
Does anyone know if theres a limit on how many years back u can file a 1040-X? I messed up my 2017 taxes too and wondering if its too late?
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Ella Thompson
•You generally have 3 years from the original filing deadline to file an amended return for a refund. For 2017 taxes, the original deadline was April 15, 2018, so you had until April 15, 2021 to amend for a refund. If you owe additional tax, the IRS has up to 6 years to assess if you underreported income by more than 25%.
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