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Joshua Hellan

How to handle multiple W2 jobs and multiple self-employment jobs for tax filing?

So I'm kinda panicking about my 2024 taxes since I worked a bunch of different jobs. I worked two regular jobs where I got W-2s, plus I did DoorDash, Instacart, and also some umpiring work where I got a 1099 (no taxes taken out). I'm confused about how all this gets taxed together. For my W-2 jobs - do they get combined or are they treated as separate things when figuring out my refund? My bigger worry is about the mileage deductions for DoorDash and Instacart. I tracked all my delivery miles but didn't separate which miles were for which app since I was often running both at the same time. Can I just lump all those miles together on my taxes? Or do I need to somehow split them between the two apps? I tracked about 6,800 miles total which should be a decent deduction, but I have no idea how to divide it if I need to. Any help would be super appreciated because I'm really stressing about this!

Jibriel Kohn

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Your W-2 jobs will be reported together on your tax return - they're combined on the same part of your return (Form 1040). The income from both W-2s gets added together to determine your total employment income. For your self-employment work (DoorDash, Instacart, and umpiring), each of these would technically be considered separate business activities, but there's good news about your mileage tracking. You don't need to separate the mileage between DoorDash and Instacart if you were running both apps simultaneously. You can report all your delivery driving as one self-employment business activity on a single Schedule C, listing something like "Delivery Services" as the business type. The umpiring would need its own separate Schedule C since it's a completely different type of work. This means you'll have two Schedule Cs - one for all your delivery work combined and one for umpiring. Your 6,800 miles would give you a deduction of around $4,216 (using the 2024 standard mileage rate of 62 cents per mile) against your delivery income, which will definitely help reduce your self-employment tax burden!

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Does combining the delivery apps on one Schedule C affect how much self-employment tax they pay? I did both UberEats and GrubHub last year and filed them separately. Did I mess up?

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Jibriel Kohn

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Filing delivery work on one Schedule C doesn't change your total self-employment tax - it just simplifies your paperwork. The self-employment tax is calculated on your net profit regardless of whether it's from one Schedule C or multiple ones. If you filed separate Schedule Cs for similar delivery work last year, you didn't mess up - it's still perfectly legitimate to file that way. It's just more paperwork. Some people prefer separating them to track the profitability of each platform, but for tax calculation purposes, the end result is essentially the same.

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I was in a similar situation last year with multiple gig jobs and W-2s and honestly it was giving me major anxiety. I finally used https://taxr.ai to help me figure out the mess of paperwork I had. The tool analyzed all my 1099s and W-2s and gave me specific guidance for my situation. The best part was that it flagged that I could combine my food delivery gigs on one Schedule C which saved me from filling out multiple forms. It also helped me identify deductions I was missing besides just mileage (like a portion of my phone bill since I used it for gig work). For the mileage issue specifically, it confirmed I could just use the total miles for all delivery work rather than trying to separate which miles were for which app. Such a relief!

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James Johnson

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How accurate is it? I've tried other tax software and they always miss stuff or mess something up. Does it actually look at your specific documents or is it just general advice?

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I'm wondering about this too. Did it help you figure out what percentage of other expenses like phone, car maintenance, etc. you could deduct? I never know if I'm claiming too much or too little.

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It actually reviews your specific tax documents, not just generic advice. You upload your W-2s and 1099s, and it analyzes them line by line. I found it caught things I missed when I tried doing it myself, like some education credits I qualified for. For expenses like phone and car maintenance, it asks you questions about how much you use them for business vs. personal use and helps calculate the appropriate percentage to deduct. In my case, I use my phone about 70% for gig work, so it calculated that portion of my phone bill as deductible. It's pretty detailed without being overwhelming.

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Just wanted to follow up - I tried that taxr.ai site that was mentioned and it was actually super helpful for my situation! I also had mixed W-2 and contract work, and I was really confused about how to handle it all. I uploaded my tax forms and it immediately organized everything and explained which forms I needed to file. For my delivery gig work, it confirmed I could just use one Schedule C and helped me calculate the right percentage of my phone bill and other expenses to deduct. The mileage guidance was exactly what I needed - I had the same problem of not separating miles between apps. It showed me how to document this properly to avoid audit flags. Seriously saved me hours of stress and confusion!

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Mia Green

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After reading your post, I totally feel your pain. I had similar issues getting help from the IRS directly last year. Called like 15 times about how to handle multiple 1099s and couldn't get through. Eventually found https://claimyr.com which actually got me connected to an IRS agent in about 20 minutes instead of waiting on hold forever. You can see how it works here: https://youtu.be/_kiP6q8DX5c The agent I spoke with confirmed exactly what others are saying - you can combine similar self-employment activities on one Schedule C. She also warned me about common mistakes people make when reporting multiple income sources that can trigger audits. Really helpful since the IRS website is so vague about these situations.

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Emma Bianchi

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How does this even work? Seems sketchy that some service can magically get you through when the IRS lines are always busy. Do they have some special connection?

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Yeah right. I've tried EVERYTHING to get through to the IRS and nothing works. I spent 3 hours on hold last month and got disconnected. No way this actually works - they probably just take your money and give you the same runaround.

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Mia Green

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It's not sketchy at all - they use a completely legitimate callback system. Basically, they have technology that waits on hold for you and then calls you when they reach an actual IRS agent. No special connection or insider access - they're just using automation to handle the awful hold times. I was super skeptical too, but it actually works. They don't promise instant access - what they do is save you from having to personally wait on hold. In my case, I got called back in about 20 minutes, but sometimes it takes longer depending on IRS call volume. It's way better than wasting your own time listening to that horrible hold music for hours.

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I need to admit I was completely wrong. After my skeptical comment, I was desperate enough to try Claimyr because I needed to sort out my 1099 mess before filing. Got connected to an IRS agent in 35 minutes without sitting on hold myself. The agent walked me through exactly how to handle my multiple income sources (I had 6 different 1099s plus a W-2). She explained that the IRS actually prefers you to combine similar business activities on one Schedule C rather than filing a bunch of separate ones. She also confirmed that for mileage tracking, as long as you have good records of the total miles driven for business purposes, you don't need to split it between different delivery apps. Honestly can't believe I wasted so many hours trying to get through on my own when this option existed.

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Another thing to watch out for - you'll need to make quarterly estimated tax payments for 2025 if you continue with the self-employment gigs. Since there's no withholding on those 1099 jobs, you're supposed to pay taxes quarterly to avoid penalties. I learned this the hard way last year and got hit with an underpayment penalty.

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Joshua Hellan

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Wait, I had no idea about quarterly payments! How do you figure out how much to pay? I'm definitely continuing with DoorDash and the umpiring this year.

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To figure out quarterly payments, you'll need to estimate your annual income and calculate roughly what you'll owe. The IRS has a form called 1040-ES that helps with this calculation. Generally, you need to pay either 90% of this year's tax or 100% of last year's tax (whichever is smaller) spread across the four payments. A simple approach is to set aside about 25-30% of your self-employment income for taxes. This usually covers both the income tax and self-employment tax (which is about 15.3% on its own). The quarterly due dates are April 15, June 15, September 15, and January 15 of the following year.

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Charlie Yang

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Has anyone used TurboTax for a situation like this? I'm dealing with the same mix of W2s and 1099s and wondering if it's worth paying for or if I should use FreeTaxUSA or something else.

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Grace Patel

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I used TurboTax Self-Employed last year for a similar situation and it worked well, but it's expensive (like $120+). FreeTaxUSA handled my multiple W-2s and 1099s for only $15 for state filing (federal was free). Both walked me through combining similar gig work on one Schedule C.

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Charlie Yang

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Thanks for the info! $120 is pretty steep compared to $15. Did FreeTaxUSA have good guidance for self-employment deductions? That's my main concern since I want to make sure I'm getting everything I'm entitled to without raising audit flags.

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Don't stress too much about this - it's more straightforward than it seems! I've been doing multiple W-2s plus gig work for years now. Your W-2 jobs get combined automatically when you file - all that income goes on the same lines of your 1040, so you don't need to worry about treating them separately. For your gig work, you're absolutely right to combine the DoorDash and Instacart miles since you were running both simultaneously. The IRS doesn't require you to split miles between similar delivery services - just make sure you have good records showing the total business miles driven. Your 6,800 miles should give you about a $4,216 deduction at 62 cents per mile. One tip: keep your delivery work (DoorDash + Instacart) on one Schedule C and put the umpiring on a separate Schedule C since it's a completely different type of business activity. Also, start setting aside about 25-30% of your 1099 income for taxes throughout 2025 - you'll likely need to make quarterly estimated payments to avoid penalties since there's no withholding on that income. You've got this! The fact that you tracked your miles puts you ahead of most gig workers.

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Omar Mahmoud

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This is really helpful advice! I'm new to having multiple income sources and wasn't sure about the quarterly payment thing. When you say set aside 25-30%, is that just for the 1099 income or should I also be setting aside extra from my W-2 jobs? I'm worried about getting hit with penalties since my W-2 jobs probably don't withhold enough to cover the additional self-employment tax.

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Mia Roberts

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Great question! The 25-30% should be set aside specifically from your 1099 income since that's where you have no withholding. Your W-2 jobs already have taxes withheld, but you're right to be concerned about whether it's enough. Here's what I'd suggest: look at your W-2 paystubs to see how much federal tax is being withheld. If your W-2 jobs are withholding based on just that income level, it might not be enough to cover the additional tax burden from your self-employment income (which could bump you into a higher tax bracket). You have a couple options: 1) Set aside the 25-30% from 1099 income and see how it goes when you file, or 2) Fill out a new W-4 at one of your W-2 jobs to have additional tax withheld to cover the gap. Option 2 can be easier than making quarterly payments if your W-2 income is steady. The key is that your total tax payments (withholding + estimated payments) need to equal at least 90% of this year's tax liability or 100% of last year's to avoid penalties.

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LilMama23

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Just wanted to chime in as someone who went through this exact same situation last year! Had 3 W-2s plus Uber Eats and some freelance writing work. The stress was real, but it turned out way simpler than I thought. One thing I didn't see mentioned - make sure you're also tracking other business expenses beyond just mileage. Things like car washes (if you wash your car more frequently because of delivery work), phone accessories like car mounts or chargers, insulated delivery bags, etc. These smaller deductions add up! Also, for your umpiring work, don't forget you can deduct things like uniform costs, equipment, and travel expenses to games. Since it's on a separate Schedule C from your delivery work, you want to make sure you're capturing all the relevant expenses for that business too. The good news is once you get through this year's filing, you'll have a template for how to handle it going forward. Keep better records starting now for 2025 and it'll be much less stressful next year!

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