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GalaxyGlider
Just to add some additional info that might help - I work at a bank and we see tax payments process differently depending on how you pay: 1. Direct debit through tax software: This typically takes 1-3 business days to actually hit your account after the scheduled date. 2. Credit card: The charge shows up immediately as pending, but it might not fully post for 1-2 days. 3. IRS Direct Pay (on IRS.gov): These typically process within 1-2 business days of your scheduled date. Just something to consider if you're cutting it close with your bank balance!
Mei Wong
ā¢Do you know if there's any difference in processing time between major banks and smaller credit unions? Mine sometimes takes longer for ACH transfers.
GalaxyGlider
ā¢Yes, there can definitely be differences. Larger banks typically process ACH transfers (which is what IRS payments are) more quickly - usually within 24 hours of receiving them. Smaller credit unions sometimes batch their ACH processing and might only run them once per day, which can add a delay of up to 24 hours. If you're with a smaller credit union, I'd add an extra day to the expected processing time just to be safe. So if the IRS schedules the withdrawal for the 15th, it might not actually hit your account until the 17th or 18th at a smaller institution.
What happens if your payment bounces? My account is pretty low and I'm scared I'll get hit with penalties if there's not enough money when they try to withdraw.
Amara Okafor
ā¢If your payment bounces, the IRS will send you a notice and charge you a penalty - usually about 2% of the payment amount. They'll also charge interest on the unpaid amount until you pay it. Plus your bank will probably charge you an NSF fee too.
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Payton Black
5 Consider asking your IRA provider if they offer a special "removal of excess contributions" service. Many of them have dedicated processes specifically for fixing these situations and can handle most of the calculations and paperwork for you. When I discovered I had made excess contributions to my Roth IRA for two years, Fidelity walked me through their correction process. They calculated the exact earnings attributable to the excess amounts and filled out most of the paperwork. I still had to file Form 5329, but having their documentation made it much easier.
Payton Black
ā¢14 Would that still work if it's been more than 2-3 years? I thought there was some deadline for removing excess contributions without penalties.
Payton Black
ā¢5 You're right that there's a deadline for removing excess contributions without the 6% penalty - it's typically by the tax filing deadline plus extensions (around October 15th) for the year of the contribution. Since the OP's situation involves contributions from 2020-2022, they would likely still owe the 6% penalty for each year the excess remained in the account. However, most IRA providers can still process the removal of excess contributions even after this deadline. The benefit is that removing the excess now stops the 6% penalty from continuing to apply to future years.
Payton Black
17 Have you considered just leaving it alone? I'm not advising tax evasion, but realistically, the IRS is severely backlogged and understaffed. The chance of them specifically auditing your Roth contributions is pretty slim unless you're being audited for other reasons.
Payton Black
ā¢2 This is terrible advice. The IRS receives direct reporting of IRA contributions from financial institutions. If their systems flag a mismatch between your reported income and Roth eligibility, it'll trigger an automated notice. Besides, the penalties compound the longer you wait. Better to fix it proactively than risk bigger headaches down the road.
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Kaitlyn Otto
Has your brother-in-law considered investing in opportunity zones? That's what my dad did with his commercial real estate business to defer a huge capital gains hit. They can roll profits into qualified opportunity zone funds and defer taxes while also supporting economic development. Could be a double win situation if he's in a position to make those kinds of investments.
That's interesting - I've heard about opportunity zones but don't really understand how they work. Would this only help if he's selling property with capital gains, or can it help with his regular business income too? And are there any risks involved?
Kaitlyn Otto
ā¢Opportunity zones primarily help with capital gains, not ordinary business income. If your brother-in-law sells property, equipment, or even business interests at a profit, he could defer those capital gains taxes by reinvesting in a qualified opportunity zone fund within 180 days of the sale. The main risks include market risks (as with any investment), liquidity constraints (funds typically have 10-year holding periods for maximum benefits), and potential regulatory changes since this is a relatively new program. There's also geographic limitation since investments must be in designated opportunity zones. I'd definitely suggest talking with both a financial advisor and tax professional before pursuing this strategy.
Axel Far
Has anyone mentioned cost segregation studies for construction business owners? We did this last year and it was a game changer. Basically an engineering firm analyzes all your business assets and breaks them down to accelerate depreciation. Our study cost about $15k but saved us over $120k in taxes the first year.
This is especially useful if your brother-in-law owns the buildings where his business operates. My construction company did a cost seg study on our headquarters building and main warehouse. We were able to reclassify about 35% of the assets from 39-year property to 5 or 7-year property. Massive tax deferral benefit.
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Diez Ellis
22 One important thing nobody has mentioned: some states have reciprocity agreements! For example, if you live in Virginia but work in DC, you don't have to file a DC tax return due to their reciprocity agreement. Same with some other state pairs like: - NJ and PA - MD and DC - VA and DC Always check if your states have such an agreement before assuming you need to file a non-resident return!
Diez Ellis
ā¢5 Do you know if Texas and Oklahoma have any kind of reciprocity agreement? I'm about to start a job across the border but staying in TX.
Diez Ellis
ā¢22 Texas and Oklahoma do not have a reciprocity agreement. You'll need to file an Oklahoma non-resident tax return (Form 511NR) for the income you earn there. However, since Texas doesn't have income tax, you won't have to worry about filing anything in Texas or dealing with tax credits between states. Make sure your employer is withholding Oklahoma state taxes from your paycheck! Some employers aren't familiar with cross-border situations and might miss this, which could leave you with a surprise tax bill when you file.
Diez Ellis
11 I've been living in Tennessee and working in Kentucky for 6 years now. Here's what I've learned: 1) You ALWAYS pay taxes where you earn the money, not where you live 2) Your employer should automatically withhold taxes for the state where you work 3) If you're in a no-income-tax state but work in a tax state, it's actually simpler because you only file one state return (as a non-resident) 4) If you work remotely some days, it gets complicated - you need to track days worked in each location The worst situation is living in a tax state and working in another tax state - then you have to file in both places and claim credits to avoid double taxation.
Diez Ellis
ā¢2 This was super helpful! One question - does this apply to self-employed people too? I live in Washington but have clients in Oregon and Idaho.
Felicity Bud
Just wanted to add my experience - I filed an amendment last year for about $800 in additional taxes. It was processed within 12 weeks, no audit, no questions, no problems whatsoever. The key things I did: - Included a clear explanation letter - Attached all supporting documents - Double-checked all math - Made sure I used the right amendment form (1040-X) - Paid the additional tax immediately Don't stress too much. The IRS is mainly concerned with big discrepancies and potential fraud, not honest mistakes that you're voluntarily correcting!
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Max Reyes
ā¢What supporting documents did you need to include? I'm not sure what to attach with mine.
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Felicity Bud
ā¢It depends on what you're amending! For my situation, I was adding some dividend income I missed, so I included the corrected 1099-DIV form. Generally, you should include any documents that support the specific changes you're making. If you're changing income, include the corrected income statement. If you're adding a deduction, include receipts or documentation of those expenses. If you're changing filing status, include documentation that supports that change. The IRS instructions for Form 1040-X have a good section on what to attach. If you're not sure, include more documentation rather than less - better to give them everything they might need than to have them request additional info later.
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Mikayla Davison
i worked at the irs 4 years (not anymore) and i can tell you amendments are NOT automatic audit triggers!! yes they get more human eyes on them than regular returns but that's not the same as an audit. for a $405 difference it's extremely unlikely you'd face any issues. the irs is focused on big fish, not small honest mistakes. they dont have resources to audit simple amendments for a few hundred bucks. just make sure you explain the reason for amendment clearly and include any supporting docs. and dont stress!!
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Finnegan Gunn
ā¢Omg thank you so much for this insider perspective! That's honestly such a relief to hear. I've been losing sleep over this and its good to know I'm not on some automatic audit list. I'll make sure to be super clear about why I'm filing the amendment and include everything they might need!
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