Something nobody's mentioned yet - check if any of your STD payments were actually supplemented by using your accrued sick/vacation time. My company's STD only paid 60% of my salary, but they automatically applied some of my PTO to "top up" to 100% for the first two weeks. That portion is definitely taxable regular income and appeared normally on my W-2.

Don't forget to consider state taxes too! Federal and state treatment of disability income can be different depending on where you live. In California, for example, state disability insurance (SDI) benefits are not taxable for CA state taxes but may still be taxable federally.

Has anyone used TurboTax to file in this situation? Does it give you any problems if the name on the 1099 doesn't match your business name?

I can confirm what others are saying here - this is totally normal and nothing to stress about! As a sole proprietor myself, I've received 1099s in both my personal name and business name over the years, and they all get reported on the same Schedule C. The key thing to understand is that for sole proprietorships, you and your business are the same tax entity. The IRS computer systems match 1099s to your SSN, not the name on the form. So whether it says "John Smith" or "Smith Consulting Services," as long as your SSN is correct, you're good to go. I'd recommend just keeping good records showing that this income belongs to your business (like invoices, contracts, etc.) in case you ever get audited, but that's just standard good practice anyway. Report that $14,800 on your Schedule C along with all your other business income and you'll be fine. One less thing to worry about during tax season!

I'm curious if anyone knows... does FreeTaxUSA handle the recharacterization correctly for the 2023 return? I'm about to file both 2022 and 2023 returns and have a similar situation with Distribution Code R on my 1099-R.

I went through this exact same situation last year and understand your confusion completely! The key thing to remember is that a recharacterization with Distribution Code R is treated as if you originally made the contribution to the destination account type. Since your amendment shows zero change in tax liability, you likely either didn't claim a Traditional IRA deduction in 2022 (maybe due to income limits or already having a 401k), or the recharacterized amount was small enough not to impact your taxes. Technically, you should file the amendment to ensure your records match what the IRS has on file, even with zero tax impact. This prevents potential future matching issues when the IRS computers try to reconcile your forms. The good news is that since there's no tax change, it's considered a "compliance amendment" rather than an urgent correction. You have until April 15, 2026 to file the 2022 amendment, so no need to rush. I'd recommend doing it sooner rather than later though, just to have clean records. And yes, you can e-file the amendment through FreeTaxUSA which makes it much easier than the old paper process. The fact that you reported it on your 2023 return is correct for that tax year, but the IRS still wants the 2022 return to accurately reflect the final destination of your 2022 contributions.

Make sure you understand the rules for "support" with college students! My ex and I got audited because we misunderstood this. For kids in college, their scholarships, grants and student loans in THEIR name count toward THEIR contribution to their own support. If your son gets enough scholarships/loans, he might actually be providing more than half of his own support (room, board, etc), which means NEITHER of you could claim him!

Just wanted to add something important about timing - make sure you coordinate WHEN each parent files their taxes if you're alternating years claiming your son. The IRS computer system will flag it if both parents try to claim the same dependent on returns filed around the same time, even if it's for different tax years. Also, keep excellent records of your agreement and the Form 8332 filings. I've seen situations where the IRS questions these arrangements years later, especially if there are any changes to custody or support arrangements. Having clear documentation from the start saves a lot of headaches down the road. One more tip - consider having a conversation with your son about this plan. As he gets older and starts filing his own returns, he needs to understand he can't claim himself as a dependent in years when one of you is claiming him. Sounds obvious, but college kids make this mistake more often than you'd think!

Does anyone know if the IRS ever provides this breakdown when they send your refund? Like some kind of statement that says "You received $X for Child Tax Credit, $Y for Earned Income Credit" etc.? In Canada, their tax agency sends a detailed explanation with the refund payment, wondering if the IRS does something similar.

For anyone still looking for a simple solution within TurboTax itself, there's actually a really useful feature called "View Your Tax Summary" that breaks down your refund components. After you complete your return, go to the final review screen and look for a link that says something like "Why is my refund this amount?" or "View detailed summary." This will show you a breakdown that includes: - Total tax before credits - How much each credit reduced your tax - Your total withholdings and estimated payments - The final refund calculation It's not as detailed as some of the third-party tools mentioned here, but it gives you a good overview of the major contributors to your refund without needing to upload your documents anywhere else. I found this really helpful for understanding that my refund wasn't just from overwithholding - a big chunk actually came from the credits I qualified for!