


Ask the community...
Something nobody's mentioned yet - even if you can't beat the standard deduction now, keep track of your potential itemized deductions anyway. My first 3 years as a homeowner I couldn't itemize, but in year 4 I had some major medical expenses plus I replaced my roof and HVAC. That one "expensive year" pushed me well over the standard deduction threshold. If I hadn't been tracking things all along, I would have missed out.
Does the IRS ever question large jumps in deductions from one year to the next? I'm worried if I suddenly itemize after years of standard deduction it might trigger an audit.
A significant change in deduction strategy alone isn't typically what triggers IRS scrutiny. What matters is that you have proper documentation for everything you're claiming. The IRS understands that life events happen - medical issues, home repairs, major purchases - that can cause a one-year spike in deductions. Just make sure you keep receipts for any large purchases, medical bills, property tax statements, mortgage interest statements, and donation receipts. If you have the documentation to back up your claims, you shouldn't worry about itemizing when it benefits you.
Here's a tip that worked for me: If you know you're making a major purchase (car, boat, home renovation), try to time multiple big purchases in the same tax year when possible. I "bunched" my new car purchase and home renovations in the same year, which pushed me over the standard deduction. Then I took the standard deduction the following year. Alternating years can maximize your tax savings.
U might b able 2 take advantage of a tax credit instead of a deduction if ur income is low. Look into the Savers Credit if u put $ into retirement or check if ur state has any low income credits. Deductions just reduce ur taxable income but credits directly reduce taxes u owe which is better!!
Has anyone considered that a dental implant might actually count as a capital improvement to your body and should be depreciated over time rather than expensed in a single year? š¤ Just kidding!! Sorry, tax humor. But on a serious note, make sure you keep ALL your receipts, including costs for traveling to and from dental appointments - mileage can add up and is deductible as a medical expense too!
PSA for all students: If your income is below $73,000, DO NOT directly go to TurboTax, H&R Block, etc. websites. Instead, access them THROUGH the IRS Free File page (https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free) if you want to use those services for free! Companies deliberately hide their free versions and use confusing language to get you to pay. There was actually a big scandal about this a few years ago. They advertise "free free free" but then charge you for state filing or when you have a 1098-T. I've used IRS Free File for 3 years as a student with W-2s, 1098-T education credits, and even some side gig income, and haven't paid a cent. Literally saved hundreds of dollars.
Does the Free File program have a mobile app or is it desktop only? My laptop died last month and I'm only using my phone right now.
Most of the Free File options are designed primarily for desktop, but several have mobile-responsive websites that work on phones. TaxSlayer and TaxAct specifically have decent mobile experiences through their Free File programs. If you're limited to just your phone, Cash App Taxes (mentioned in another comment) might be your best bet - it was literally designed as a mobile-first experience and works great on phones. It's free regardless of whether you access it through Free File or directly, and handles education credits without charging.
has anyone here used Credit Karma Tax? i heard they got bought by Cash App but still offer free filing. my roommate used it last year but he doesn't have education stuff like i do
Yes, Credit Karma Tax is now Cash App Taxes. I used it this year with a W-2, 1098-T, and even some 1099-INT from my savings account. Completely free for both federal and state, and it handled my American Opportunity Credit without any issues. The interface is pretty streamlined and worked well on both my laptop and phone.
Just want to add - make sure you also amend your state return! A lot of people fix their federal but forget that the state return needs to be amended too. Most states have their own amendment forms, and the process might be different from the federal amendment.
Good point! Do I need to wait for the federal amendment to be processed before I file the state amendment? Or can I do both at the same time?
You can typically file both amendments at the same time - you don't need to wait for the federal one to be processed first. However, make sure you use consistent information on both amendments. Some states may ask for information about your federal amendment, including any changes to your adjusted gross income. Also, many states have different timeframes for processing amendments than the IRS does. The IRS is currently taking 16+ weeks to process amendments, while some states might be faster or slower. Just keep track of both processes separately and follow up if either takes longer than expected.
Has anyone tried just calling the IRS and asking them to add the W-2 rather than going through the amendment process? My sister did this when she forgot a 1099 and they told her they could just add it to her return.
That's not accurate info. The IRS doesn't "add" documents to an already processed return. They might have told your sister they already had the information from the 1099 issuer and would adjust her return automatically, which they sometimes do with document matching. But for a missing spouse's W-2 on a joint return, they definitely require an amendment. This is too significant a change to handle with a phone call.
Sophie Duck
Don't forget that if you claim certain credits like the Earned Income Tax Credit (EITC) or Additional Child Tax Credit (ACTC), the IRS can't issue your refund before mid-February by law, no matter how early you file. This is due to the PATH Act which helps prevent fraud.
0 coins
Austin Leonard
ā¢Is that still true? I thought they changed that rule recently?
0 coins
Sophie Duck
ā¢The PATH Act requirements are still in effect for the 2025 filing season. There have been no changes to this law. If you claim EITC or ACTC, the earliest you would see your refund is around February 15th, regardless of when you file. The IRS uses this time to verify income reported on W-2s and 1099s against the credits claimed to prevent fraudulent refunds. While there are occasionally discussions about modifying these rules, no actual changes have been implemented yet.
0 coins
Anita George
last year i filed on feb 3 and got my refund by valentine's day. my friend waited til april and didn't get hers until june!! early bird gets the worm lol
0 coins
Abigail Spencer
ā¢That timing makes sense - returns filed closer to the deadline take longer because the IRS gets swamped. I always aim for early February once I have all my documents. Just make sure you have EVERYTHING before filing!
0 coins