I've been dealing with Code 810 for about 5 weeks now and it's been such a rollercoaster! Initially I was panicking thinking I did something wrong on my return, but after reading through all these responses I feel so much better knowing it's just routine verification. I filed with EIC and child tax credit so that definitely explains it. The hardest part is just not knowing what's happening or how long it'll take. Seeing everyone mention taxr.ai has me curious - might be worth the $5 just for peace of mind since I've probably lost that much in productivity from constantly worrying about this lol. Thanks to everyone sharing their experiences, it really helps to know we're not alone in this! The IRS needs to do better with communication but at least we have this community to support each other through the waiting game 🤝

Code 810 is definitely stressful when you first see it! I went through this exact same thing about 2 months ago and was convinced I'd messed something up on my return. Turns out it was just routine verification for my EIC claim - they were cross-checking my income against employer records. The good news is that most 810 freezes do resolve, it just takes patience (which I know is easier said than done when you're waiting on your refund!). Mine took about 9 weeks total but I've seen others clear faster. One thing that really helped my anxiety was getting a clear explanation of what was actually happening instead of just guessing. Keep checking your transcripts weekly and definitely don't miss any mail from the IRS - sometimes they'll send requests for additional documentation that can speed things up if you respond quickly. Hang in there, you're definitely not alone in dealing with this! 💪

Don't overlook the state estate tax angle. Federal exemptions are high, but states like Massachusetts, Oregon, and Minnesota have much lower exemptions (around $1-3 million). A properly structured trust can help with state estate taxes even if you're below the federal threshold.

This is exactly the kind of comprehensive discussion I was hoping for when I posted this question! Reading through all these responses, I'm realizing that trust planning is way more nuanced than the financial advisor made it sound. A few key takeaways that are helping me understand the basics: 1. The distinction between revocable vs irrevocable trusts is crucial - only irrevocable trusts actually remove assets from the taxable estate 2. There's often a trade-off between estate tax savings and losing the step-up in basis for capital gains 3. At $4.2M, my parents might be more concerned about state estate taxes depending on where they live 4. The generation-skipping transfer tax is something we hadn't even considered but should definitely explore given they have grandchildren I think our next step is to get a proper analysis of their situation before meeting with an estate planning attorney. Some of the tools mentioned here (like taxr.ai) might help us go in more prepared. I also want to research attorneys who specialize specifically in multi-generational planning rather than just general estate work. Thanks everyone for taking the time to share your experiences and knowledge. This community is incredibly helpful for navigating these complex tax situations!

This is such a comprehensive discussion! As someone who recently went through a similar international move, I wanted to add a few practical considerations that might be helpful. One thing that really helped me was creating a "domicile transition checklist" to ensure I was consistent in establishing my new foreign domicile. This included things like: - Opening local bank accounts and making them your primary accounts - Getting local phone service and utility accounts in your name - Registering with local tax authorities in Singapore - Getting a local driver's license (if you plan to drive there) - Joining local clubs, gyms, or community organizations - Establishing relationships with local service providers (doctors, dentists, etc.) The key insight from my tax attorney was that the IRS looks for a "preponderance of evidence" - they want to see that the majority of your life connections point to your new country rather than the US. Since you're keeping your NYC apartment unfurnished and not renting it out, document this decision well. Having it sit empty (rather than being set up as a home you could immediately return to) actually supports the argument that Singapore has become your primary domicile. Also consider the timing of your move - if you move mid-year, you might benefit from filing as a dual-status taxpayer for that transition year, which could optimize your tax situation. Good luck with your move! Singapore is an amazing place to live.

This has been an incredibly informative thread! As someone who works in international tax compliance, I wanted to add a few technical points that might help clarify the domicile vs. tax residency distinction for @Chloe Martin and others in similar situations. First, it's important to understand that "domicile" and "tax residency" are actually separate concepts, though they often overlap. Domicile is more of a legal concept about your permanent home and intent, while tax residency can be determined by various tests (physical presence, closer connection, etc.). For US citizens, you'll always be subject to US taxation on worldwide income regardless of domicile - but establishing foreign domicile can be crucial for: 1) Qualifying for Foreign Earned Income Exclusion 2) State tax purposes (as others mentioned) 3) Estate planning implications 4) Potential future expatriation decisions Regarding your specific Singapore situation - the lack of a tax treaty actually makes documentation even more important. Without treaty protections, you want to be absolutely clear about your status to avoid any double taxation issues. One practical tip: consider getting a formal legal opinion from a tax attorney about your domicile change, especially given the value of NYC real estate. The cost upfront could save significant issues later if the IRS questions your position. The physical presence test for Foreign Earned Income Exclusion (330 days in any 12-month period) might be easier for you to meet than the bona fide residence test initially, so track your days carefully from day one of your move.

Your best bet is to check your transcripts every Friday morning since youre cycle 01. Thats when updates usually hit. But honestly just use taxr.ai and save yourself the headache. It breaks everything down in plain english

Cycle codes can definitely be confusing at first! Just to add to what others have said - the 20250701 breaks down as: 2025 (tax year), 07 (week 7 of processing), 01 (Friday processing cycle). While it gives you an idea of timing, don't stress too much about it. Focus on looking for transaction codes like 150 (return filed) and eventually 846 (refund issued) with actual dates. Those are the ones that really matter for your refund timeline!

I'm really glad I found this thread! I've been putting off dealing with a similar situation with my own Roth IRA because I was terrified of penalties, but reading everyone's experiences here has been incredibly educational. The consistent advice about asking for your "contribution basis" versus current account value seems to be the golden rule for figuring out penalty-free withdrawals. It's amazing how many people were in nearly identical situations - money sitting uninvested for years that can be withdrawn without penalties. @Ethan Clark, based on all the great advice here, it sounds like you're likely going to be able to access most or all of your $2000 without any penalties since it's been sitting uninvested. The fact that multiple people who work in finance and have personal experience are all saying the same thing should give you confidence to move forward. Thanks to everyone who shared their real experiences rather than just speculation - this is exactly the kind of practical advice that makes this community so valuable!

As someone who just went through a very similar situation with my own Roth IRA, I wanted to add my voice to this incredibly helpful thread. I had about $1,500 sitting in a Roth IRA for 4 years that I completely forgot about, and when I needed emergency funds last month, I was terrified about penalties. The advice everyone is giving here is spot-on. When I called my broker and asked specifically for my "contribution basis" versus current account value, I discovered that even though the money had been sitting in their default money market fund, it had only earned about $12 in interest over 4 years. This meant I could withdraw my entire $1,500 contribution amount penalty-free and tax-free. @Ethan Clark, based on your description of the money just sitting there uninvested for 6 years, you're almost certainly looking at a penalty-free withdrawal of your full $2,000. The key is getting that exact breakdown from E-trade so you know exactly what portion is contributions versus any minimal earnings. Don't let the generic warnings about 10% penalties discourage you - those only apply to earnings withdrawn early, not your original contributions. You should be able to access the money you need without any penalties at all!