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Anybody know why there's such a big gap between when they "process" your return and when they actually send the money? Seems like once they approve it they could just send the refund immediately. Mine was processed on 2/9 but refund date shows 2/21...that's ridiculous.
They do this on purpose to earn interest on holding your money. My brother works for Treasury (not IRS) and says it's all about float time on billions of dollars.
Pro tip: If you have the 846 code on your transcript with a specific date, that's your ACTUAL refund date. That's the date they send the payment to your bank. Then it usually takes 1-2 business days for your bank to post it. But the IRS doesn't always hit that exact date - sometimes it comes a day or two early. The processing date is different from the refund issued date.
I see a code 570 on mine. What does that mean? My tax guy says everything is fine but it's been 5 weeks...
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Quick tip from someone who went through this exact scenario two years ago: gather proof of where you WERE during the time the IRS claims you were working at this company. I was a student too, and I provided: 1. My class schedule from that semester 2. My student ID swipe records showing I was on campus 3. My part-time job timesheets from the campus library 4. Bank statements showing regular withdrawals near campus (not near the supposed employer) The IRS attorney took one look at this package and realized it would be impossible for me to have worked full-time at the company in question. We settled before ever going to court. Also, call the SSA and request a wage and income transcript for that tax year. It might show who actually received the income (could be someone with a similar SSN to yours).
This is brilliant! I hadn't thought about proving where I actually was during that time. I can definitely get my class schedule, campus card swipes, and my work-study timesheets from the university admin office. Did you just compile all this into a packet? And did you send it to the IRS attorney directly or submit it through the Tax Court system?
I compiled everything into a single PDF with a cover page that had my name, tax ID (last 4 digits only), tax year, and case number. I included a simple timeline showing how my documented whereabouts made it impossible for me to have worked at the company in question. I actually did both - I submitted it formally through the Tax Court DAWSON system AND sent a courtesy copy directly to the IRS attorney once they were assigned to my case. The direct approach with the attorney was what moved things along quickly. They appreciate organized evidence that makes their job easier. When the IRS attorney contacts you (they will), be polite and professional but also very clear about your evidence. They're often reasonable people who don't want to waste court resources on cases they're likely to lose.
Just adding that I went through something like this and learned identity theft might be involved. Request an Identity Protection PIN from the IRS at https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin Also, check your credit report immediately. Someone might have used your SSN for employment and that could appear there. The company not existing anymore is actually common in these scams. Sometimes "companies" are created just to file fake W-2s and then disappear. Make sure you mention this suspicion in your court documents.
This happened to my roommate! He had a CP3219A for income from a "consulting company" that had dissolved. Turned out someone had used his SSN for employment. The red flag was that the company was in Nevada, but he'd never even been to Nevada. OP should definitely check if the company was in a location that doesn't make sense for a college student. That strengthens the identity theft argument.
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One thing nobody mentioned yet about LLCs - make sure you keep your business and personal finances completely separate! Get a business checking account using your LLC name and EIN. Put ALL business income into that account and pay business expenses from there. If you mix personal and business funds, you risk "piercing the corporate veil" which means you could lose your liability protection. I made this mistake when I first formed my LLC and my accountant read me the riot act. Had to go back and document everything. Also, keep good records of all business meetings and decisions (even if it's just you). This helps establish that your LLC is a legitimate business entity.
I'm definitely guilty of using my personal Amazon account to buy supplies for my business. Is that a big no-no? Should I be setting up separate accounts for everything?
Using a personal Amazon account isn't ideal, but it's not a disaster if you keep meticulous records. The best practice is to use your business card/account for all business purchases to maintain clear separation. What's more important is having a dedicated business checking account and never commingling funds. Don't deposit business income into your personal account, and don't pay personal expenses directly from your business account. If you use a personal account for a business purchase, reimburse yourself properly with documentation. The goal is maintaining a clear paper trail showing your business operates as a separate entity. Small occasional crossovers with proper documentation won't necessarily void your liability protection, but consistent mixing of finances definitely could.
Don't forget about local requirements too! My city requires a separate business license for LLCs even though I already had one as a sole proprietor. Had to pay an extra $175 annually that I wasn't expecting. Also check if your county has any special requirements. The state filing is just one piece.
Good point! Also, some places have something called a "gross receipts tax" that applies to LLCs but not sole props in certain jurisdictions. I got hit with this in my city and wasn't prepared for it.
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Honestly, the whole "hobby vs. business" thing with the IRS is more about whether you can deduct losses, not whether you need to file a Schedule C. The IRS definitely wants you to report ALL income, even if it's just occasional. I teach piano lessons maybe 5-6 times a month as a side thing, and my accountant said I absolutely need to file Schedule C even though I don't consider it a business either. The good news is you can deduct expenses directly related to your teaching - did you buy any supplies, use your car to get there, etc?
But if it's a hobby and not a business, can you still deduct expenses? I thought the Tax Cuts and Jobs Act eliminated hobby expense deductions?
You're absolutely right about the Tax Cuts and Jobs Act eliminating hobby expense deductions - which is precisely why it's actually beneficial for the original poster to treat their teaching as a business activity on Schedule C rather than a hobby! When you report income on Schedule C as self-employment, you can deduct ordinary and necessary business expenses against that income. If you were to classify it as hobby income, you'd still have to report all the income but couldn't take any deductions against it at all, which would result in paying more tax.
Has anyone else noticed that TurboTax makes these simple situations way more complicated than necessary? I had a similar situation with some freelance writing income and TurboTax made me feel like I needed to register a corporation or something!
Try FreeTaxUSA instead! I switched last year and it's much more straightforward for handling these small 1099-NEC situations. It asks for the essential info without making you feel like you need an MBA to file your taxes.
Annabel Kimball
I think your tax pro might be confusing the rules for SIMPLE IRAs with Roth IRAs. With SIMPLE IRAs, there actually are some limitations when you have multiple retirement plans. But for your specific situation with a Solo 401k and Roth IRA, they're completely separate contribution limits as others have said. The Solo 401k falls under the 401k annual limits ($23,000 for 2025) and the Roth IRA has its own limit ($7,000 for 2025 if under 50). The only things that would prevent you from contributing to a Roth IRA would be: 1. Having income above the eligibility threshold (which you're nowhere near) 2. Not having enough earned income to cover your contributions 3. Being over 73 with no earned income (new RMD age
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Chris Elmeda
•Isn't there also some rule about the total percentage of your income you can contribute across all retirement accounts? I thought I read somewhere that you can't put more than 25% of your income into retirement accounts total?
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Annabel Kimball
•There is a percentage limit, but it only applies to the employer contribution portion of retirement plans. For a Solo 401k, you can contribute up to 25% of your net self-employment income as the "employer" contribution, on top of your "employee" contribution (the $23,000 limit). This doesn't affect Roth IRA eligibility or contribution limits at all. Your Roth IRA contribution is completely separate and only limited by the annual maximum ($7,000 for 2025 if under 50) and having enough earned income to cover it. Since your income is around $31,500, you're well within these limits and should be able to contribute to both accounts without any problem.
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Jean Claude
I wonder if your tax professional is thinking about the "overall contribution limit" which is $69,000 for 2025 across qualified plans. But that's mostly relevant for people with very high incomes who max out both employee and employer contributions. With your income level, there's no way you'd hit that limit. You should definitely be able to contribute to both your Roth Solo 401k and your Roth IRA as long as you have sufficient earned income to cover both. Just make sure you're tracking your business profit carefully, since your Solo 401k contributions can't exceed your actual business profit (after deducting the employer portion of self-employment tax).
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Charity Cohan
•I've been doing my taxes wrong then! I thought the 401k limits were completely separate from IRA limits (which they are), but I didn't realize that the total contribution still had to be less than my business profit. My side hustle only makes about $15k but I've been maxing my solo 401k from it thinking I could use my W2 income to "cover" the rest of the contribution. Is that not allowed??
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