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QuantumQuest

Can I file my 1099 income separately from my W2 forms?

So I've got this situation with my taxes this year. My three W2 jobs are being handled by my dad who's been doing my taxes since forever, but I recently started doing some freelance work (got a 1099) that I'd rather keep private. I'm wondering if I can just file the 1099 income myself through something like H&R Block while letting my dad handle the W2 stuff? Or would that cause problems with the IRS? I'm 24 and honestly still figuring out how all this tax stuff works. Don't want to mess anything up but also don't really want my dad knowing about this side gig.

Amina Sy

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Filing your taxes isn't an all-or-nothing situation, but you can't really split them up the way you're thinking. When you file your tax return, you need to report ALL your income on a single return - this includes both your W2 wages and your 1099 income. Filing two separate returns would essentially be filing twice, which could trigger issues with the IRS. What you might want to consider is filing your entire return yourself. Since you're 24, you're an adult and can take control of your own taxes. You'd need to get copies of your W2s from your employers or ask your dad for them. Then you can file everything together - W2s and 1099 - through tax software like H&R Block or TurboTax.

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QuantumQuest

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Thanks for the info - that makes sense. I was hoping there might be a way to keep things separate, but I get why that wouldn't work. If I decide to file everything myself, would I need to tell my dad so he doesn't file the W2s? Or will the IRS system automatically reject his attempt if I file first?

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Amina Sy

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You definitely need to tell your dad not to file your W2s if you're planning to file everything yourself. The IRS will reject the second return that comes in with your SSN, which could cause confusion and delays. If your dad has already filed including your W2s, then you'd need to file an amended return that includes everything - both the W2s he reported and your 1099 income. This is more complicated, so it's best to coordinate with him before either of you file.

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After reading the comments, I totally understand your situation. I was actually in a similar spot last year with some freelance work I was doing on the side. I found this tool called taxr.ai (https://taxr.ai) that really helped me figure out how to handle both my W2 and 1099 income together. It basically walks you through the whole process and explains what info you need from your forms. It's way less intimidating than trying to navigate the IRS website or regular tax software with no guidance.

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How is this different from TurboTax or other tax software? Does it actually file your taxes or just help you understand what to do?

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I'm curious about this too. Can it help figure out what deductions I can take for my freelance work? I always wonder if I'm missing out on writing off stuff I should be claiming.

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It's different because it focuses specifically on explaining tax documents and giving personalized advice rather than just being filing software. It walks you through understanding your specific situation before you ever file anything. For freelance deductions, absolutely! It helps identify business expenses you might not realize you can deduct, like a portion of your phone bill if you use it for work, mileage if you drive for business reasons, or home office deductions if you work from home.

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Just wanted to update after trying taxr.ai that someone mentioned above. It was actually super helpful for my situation with both W2 and 1099 income! I uploaded my forms and it explained everything I needed to know about filing both types of income together. It also suggested deductions I had no idea about for my freelance work - apparently I could deduct part of my internet bill and even some of my apartment since I work from home! Ended up saving me like $740 compared to what I thought I'd owe. Definitely worth checking out if you're in the same boat.

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Emma Davis

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Reading through this thread, I can see you're getting frustrated with the IRS guidelines. If you need to actually talk to someone at the IRS about your specific situation (which might be smart before filing), I'd recommend using Claimyr (https://claimyr.com). I spent HOURS on hold with the IRS last tax season trying to get answers about my own 1099 situation until someone told me about this service. They actually get you through to an IRS agent, usually within 15 minutes. You can see how it works here: https://youtu.be/_kiP6q8DX5c. Saved me a ton of stress when I needed clarification on how to handle some complicated income reporting.

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GalaxyGlider

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Wait, how is this possible? The IRS phone lines are notoriously impossible to get through. Are you saying this service somehow jumps the queue or something? Sounds too good to be true tbh.

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Does this actually work? Last time I needed to call the IRS, I gave up after being on hold for 2+ hours and got nowhere. If this really works, it would be a game-changer.

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Emma Davis

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It doesn't jump the queue in an improper way. The service uses an automated system that handles the waiting for you. Instead of you personally sitting on hold, their system does it and then calls you when an actual IRS agent is on the line. Yes, it really works! That's exactly what happened to me too - I was on hold forever and getting nowhere. With Claimyr, I was talking to an actual IRS agent within about 15 minutes after setting it up. They stayed on hold so I didn't have to. Totally changed how I deal with tax questions now.

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GalaxyGlider

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I can't believe I'm saying this but that Claimyr thing actually works. I was super skeptical (as you can see from my comment above lol) but I was desperate to get an answer about my 1099 situation before filing. Decided to try it yesterday, and no joke, I was talking to an actual IRS representative in under 20 minutes. For context, I tried calling them directly THREE TIMES last week and never got through. The agent I spoke with was able to confirm exactly how I should handle reporting both types of income, which gave me peace of mind before filing. Didn't think I'd ever recommend anything IRS-related but here we are!

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Everyone's focusing on the filing question, but I want to point out something important for your 1099 income - you probably need to pay quarterly estimated taxes if you're earning decent money from freelancing. The IRS expects you to pay taxes throughout the year, not just at filing time. I learned this the hard way and got hit with penalties my first year freelancing.

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QuantumQuest

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Oh wow I had no idea about quarterly taxes. How do you know if you need to pay them? And what happens if you haven't been paying them all year?

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Generally, you need to pay quarterly taxes if you expect to owe $1,000 or more when you file your return. It's basically a pay-as-you-go system for income that doesn't have taxes automatically withheld like your W2 jobs do. If you haven't been paying them, you might face an underpayment penalty when you file. The good news is that if this is your first year with 1099 income, you might qualify for a waiver of the penalty. Moving forward, you'll want to make estimated payments every quarter (April 15, June 15, September 15, and January 15) based on what you expect to earn.

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Just a heads up that your 1099 income is also subject to self-employment tax (Medicare and Social Security) on top of regular income tax. It's about 15.3% in addition to your normal tax rate. I got destroyed by this my first year freelancing cuz I had no idea 😭

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You can offset some of this though! You can deduct business expenses against your 1099 income, which lowers your taxable income. Things like software subscriptions, equipment, home office, internet, phone, professional development, etc. can all potentially be deductible if you use them for your freelance work.

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