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Ethan Taylor

Haven't filed taxes in years (since 2019) - Where do I even start now?

I'm 28 and honestly just a mess with adulting stuff. I've been putting off filing my taxes since 2019 and now I'm trying to get my life together. Not even sure I was required to file for some of these years since I was making barely anything while in college - probably under the minimum threshold except maybe one or two years. I don't even know what documents I need... W-2s from my jobs and maybe something from my university? I was basically a part-time minimum wage worker while going to school full-time. Also, I never received any of those COVID stimulus payments that everyone was talking about. Is there still a way for me to claim those now? Do I need to check something specific on my returns to get them? I know the IRS is super backed up and processing takes forever... and I just found out that the 2019 deadline might have passed recently (ugh!). Is there any way to speed this up? Should I just bite the bullet and hire a tax professional to sort this mess out? For context, I received Pell Grants for school last year if that matters for any of this.

Yuki Ito

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You're definitely not alone in this situation! Let me help you break this down into manageable steps. First, yes, you'll need your W-2s from each employer for each year (2019-2023). If you don't have them, you can request wage transcripts from the IRS or contact your former employers. You'll also want any 1098-T forms from your college showing tuition payments and scholarships/grants. For the COVID stimulus payments (Economic Impact Payments), you can still claim them as the Recovery Rebate Credit on the tax returns for the years they were issued (2020 and 2021). This is really important since you missed out on potentially thousands of dollars! The "deadline" you're referring to for 2019 was likely the deadline to claim a refund, which is generally 3 years from the original due date. However, you should still file those returns, especially if you owed taxes. Your Pell Grants are relevant! They're typically tax-free as long as you used the money for qualified education expenses (tuition, books, etc.), but any portion used for room and board would be taxable.

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Ethan Taylor

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Thank you for the detailed response! I honestly don't think I have my W-2s anymore. How exactly do I request those wage transcripts from the IRS? Is that something I can do online? Also, when you say I can still claim the stimulus payments on 2020 and 2021 returns - does that mean I'd get that money added to any refund I might be owed? I'm pretty sure I would have qualified for all of them.

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Yuki Ito

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You can request wage transcripts by creating an account on the IRS website (irs.gov) and using their "Get Transcript" service. If you can't verify your identity online, you can mail in Form 4506-T to request them. Some employers might also have your W-2s available through their employee portals if you still have access. Yes, if you were eligible for the stimulus payments and never received them, claiming the Recovery Rebate Credit will either increase your refund or decrease any tax you might owe for those years. The total potential amount is significant - up to $3,200 per person across all three payments ($1,200 from the first, $600 from the second, and $1,400 from the third).

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Carmen Lopez

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Hey there! I was in almost the exact same boat last year. After putting off filing for several years, I finally used https://taxr.ai to get everything sorted out. Their system helped me figure out exactly what forms I needed and how to handle my missing years. The tool was really helpful for identifying which years I actually needed to file for (turns out I was under the threshold for two years!) and helped me claim those stimulus payments I missed. They have this document analyzer that saved me hours of research - I just uploaded the tax documents I did have and it figured out what was missing.

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Andre Dupont

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Did they help with getting copies of old W-2s? That's my biggest issue right now - I moved twice and lost all my paperwork from 2019-2021.

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QuantumQuasar

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I'm curious - did they actually help you get the stimulus money? I'm in a similar situation and was told by a friend that it's too late to claim the 2020 one.

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Carmen Lopez

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They have a feature that helps you request your tax transcripts directly from the IRS, which shows all your income that was reported to the IRS including W-2 information. Really helpful if you've lost your original documents - saved me from having to contact three different old employers. For the stimulus payments, yes! Your friend is wrong about it being too late. I successfully claimed both the 2020 and 2021 stimulus payments (all three payments) when I filed those back tax returns. The system automatically calculated the Recovery Rebate Credit based on my information and added it to my refunds. I ended up getting about $2,800 that I would have completely missed out on.

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Andre Dupont

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Just wanted to update after trying taxr.ai that someone recommended above. It was actually exactly what I needed! I was totally lost about where to start with my unfiled taxes from 2020-2022, but their system walked me through everything. The document analyzer feature identified that I qualified for education credits I didn't know about from my 1098-T forms. And yes, I was able to claim those stimulus payments I missed! The whole process was way less painful than I expected, and I'm getting back way more than I thought (almost $4,300 total across all three years). Just a heads up for anyone in a similar situation - don't keep putting it off like I did. The relief of finally having it done is worth it, and you might be leaving money on the table like I was.

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I had a 4-year gap in filing and was STRESSING about it. After trying everything to get through to the IRS (website errors, hours on hold), I finally used https://claimyr.com to get someone on the phone. You can see how it works here: https://youtu.be/_kiP6q8DX5c They got me connected to an actual human at the IRS in about 20 minutes when I had previously spent HOURS on hold. The IRS agent walked me through exactly what I needed to do for my unfiled returns and confirmed which years I actually needed to file for (based on my income). They also helped me understand the process for claiming those missed stimulus payments.

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Jamal Wilson

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Wait how does this even work? Why would paying a service help you get through the IRS phone system faster? Seems kinda sketchy...

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Mei Lin

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I'm super skeptical about this. Why would the IRS take calls from this service faster than from regular people? And wouldn't you still need to wait on hold after they connect you?

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It's not sketchy at all - they use a system that navigates the IRS phone tree and waits on hold for you, then calls you when an agent is actually on the line. It doesn't "skip the line" - it just means YOU don't have to be the one sitting on hold for hours. They basically have technology that does the holding and navigating for you. You don't wait on hold at all - that's the whole point. They call you back when they have an actual IRS agent on the line. It worked exactly as advertised for me. The IRS doesn't know or care how you got through their system, they just answer the call when it reaches them.

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Mei Lin

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I have to admit I was totally wrong about Claimyr. After posting my skeptical comment, I was desperate enough to try it. The IRS phone system had disconnected me THREE TIMES after waiting over an hour each time. Used the service and got a call back in 27 minutes with an actual IRS agent on the line. They confirmed I can still file my old returns and claim the stimulus payments (though apparently 2019's refund is likely forfeit due to the 3-year rule). The agent was super helpful and walked me through everything I needed to do. Saved me so much time and frustration - definitely worth it just for my sanity. Now I'm working on gathering my documents and will be filing all my back taxes next week.

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I'm a student who worked part-time jobs throughout college, and I learned that if your income was below certain thresholds, you might not have been required to file at all. For 2019-2023, if you were single and under 65, the filing thresholds were: 2019: $12,200 2020: $12,400 2021: $12,550 2022: $12,950 2023: $13,850 BUT - and this is important - even if you weren't required to file because you were under these amounts, you should STILL file if you had any federal income tax withheld (check your W-2s) because you'd likely get that money back as a refund. Also, the only way to claim those stimulus payments now is by filing returns for those years.

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Amara Nnamani

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Wait, I'm confused. If someone was a full-time student, don't those thresholds change? I thought there were different rules for dependents.

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You're absolutely right to bring that up - the thresholds are different if someone could be claimed as a dependent on someone else's return (like a parent). For dependents with earned income only (like from a job), you generally needed to file if your earned income was more than $12,200 (in 2019, with similar increases in later years). But it gets more complicated if you had unearned income (interest, dividends, etc.) or if you were self-employed with net earnings of $400 or more. The rules for dependents who are students are focused more on whether someone else CAN claim you, not your student status itself.

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Has anyone used TurboTax or H&R Block for filing multiple years of back taxes? I'm in a similar situation (didn't file 2020-2022) and wondering which software would be better.

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NebulaNinja

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I used FreeTaxUSA for my back taxes and it was sooo much cheaper than TurboTax. They charge $15 per state return but federal is free. You just need to download the right year's version for each tax year you're filing. For me it was easy to use and they had all the forms for claiming the stimulus payments I missed.

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Diez Ellis

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I was in almost exactly your situation last year! 29 years old, hadn't filed since 2018, and felt completely overwhelmed. Here's what I wish someone had told me: First, don't panic about the 2019 deadline - while you might not be able to claim a refund for 2019 anymore (3-year rule), you should still file it if you owed taxes to avoid penalties piling up. For documents, start simple: create an IRS online account at irs.gov and request your wage transcripts. This will show you all the W-2 income that was reported to the IRS for each year, even if you don't have the physical forms. You can also request transcripts of any 1098-T education forms. The stimulus payments are HUGE - don't miss out on this! I got back over $3,000 in missed stimulus money when I finally filed my 2020 and 2021 returns. You claim them as the "Recovery Rebate Credit" on those tax returns. Since you were likely a dependent during college years, double-check if your parents claimed you. If so, you might not have been required to file for years when you made under ~$12,400, BUT you should still file if any taxes were withheld from your paychecks - that's money you can get back. For software, I personally used TaxAct for prior year returns (way cheaper than TurboTax for multiple years) and it walked me through everything including the stimulus credits. The whole process took me a weekend once I had my documents. You've got this! The hardest part is just starting.

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Lindsey Fry

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This is super helpful! I'm in a similar situation but I'm wondering - when you say "create an IRS online account" to get wage transcripts, is that pretty straightforward? I've heard mixed things about their identity verification process being really difficult online. Did you have any issues with that part? Also, when you mention TaxAct being cheaper for multiple years - do you remember roughly what it cost you total? I'm trying to budget for this whole process and figure out if it's worth going the DIY route vs hiring someone.

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Malik Davis

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I completely understand the overwhelm you're feeling - I was in almost the exact same situation two years ago! Here's my advice as someone who successfully navigated this mess: **Start with the IRS online account first** - create one at irs.gov and request wage and income transcripts for each year. This will show you exactly what income was reported to the IRS, even if you've lost your W-2s. The identity verification can be tricky online, but it's worth trying first before mailing forms. **Don't stress about the filing order** - you can file your returns in any order. I actually started with 2021 first because I knew I'd get the biggest refund (stimulus money + withholdings), which gave me motivation to continue. **You're likely owed significant money** - between missed stimulus payments (potentially $3,200 total) and any tax withholdings from your part-time jobs, you could be looking at a substantial refund rather than owing money. **For the Pell Grants** - these are generally not taxable income as long as you used them for qualified education expenses (tuition, required books/supplies). Room and board portions would be taxable, but many students don't realize this distinction. **Consider your dependency status carefully** - if your parents claimed you as a dependent during those college years, it affects your filing requirements and eligibility for certain credits. The hardest part really is just getting started. Once you request those transcripts and see what income was actually reported, the path forward becomes much clearer!

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Val Rossi

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This is really reassuring to hear from someone who went through the same thing! I'm definitely feeling less panicked now. Quick question about the dependency status - how do I figure out if my parents claimed me during those years? Is that something I can see in my IRS transcripts, or do I need to ask them directly? I'm pretty sure they did claim me through at least 2020 since I was still in school, but I want to make sure before I start filing. Also, when you say you started with 2021 first for the motivation boost - did that cause any issues with the IRS processing them out of order? I like the idea of tackling the year that'll give me the biggest refund first!

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