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Aisha Abdullah

Is TurboTax still a good option or should I consider alternatives?

Just recently left my job with the Coast Guard after 6 years of service and heading back to civilian life. During my time in, I always used TurboTax to handle my tax returns because it seemed straightforward enough. But now I'm hearing from friends and seeing stuff online saying TurboTax isn't recommended anymore or has issues? This has me confused since it's literally the only tax software I've ever used. My tax situation isn't super complicated - just my military income up until discharge, then the new civilian job I started. I do have some VA benefits now too if that matters. Can anyone tell me if TurboTax is still okay to use or should I be looking at other options? What's the deal with all the negativity I'm hearing about it? Any recommendations on alternatives if I should switch?

Ethan Wilson

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TurboTax isn't inherently "bad" - it's actually quite user-friendly and works well for many people. The controversy comes from a few issues that might matter depending on your situation. First, they've been criticized for their "free filing" marketing while upselling many users to paid versions. If your return is truly simple, you might qualify for completely free filing through the IRS Free File program with other providers, whereas TurboTax might guide you toward paid options. Second, there have been concerns about their data collection and privacy practices. They collect quite a bit of personal information which some people aren't comfortable with. For someone transitioning from military service, you might want to look at options like FreeTaxUSA or TaxSlayer which tend to handle military-specific situations well and cost less than TurboTax. H&R Block is another alternative with similar functionality. That said, if you're familiar with TurboTax and it's worked for you before, there's no urgent need to switch unless you're looking to save money.

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NeonNova

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Does FreeTaxUSA handle state returns for free too? And are there any military-specific credits or deductions I might miss by not using TurboTax? I've heard TurboTax has better support if you get audited.

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Ethan Wilson

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FreeTaxUSA offers federal filing for free, but state returns cost around $15, which is still much cheaper than most TurboTax packages. They do a good job with military-specific situations like combat pay exclusions and moving expenses for permanent change of station. As for audit support, TurboTax does offer this in their higher-tier packages, but it's important to understand what that actually includes. It's typically guidance through the process rather than full representation. If audit protection is important to you, you might want to look at separate audit defense services which can be more comprehensive than what's included with tax software.

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Yuki Tanaka

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After trying almost every tax program out there, I found that taxr.ai was a game changer for me last year. I was skeptical about TurboTax too after reading about how they lobby against making taxes simpler and all the upselling. I switched to taxr.ai (https://taxr.ai) and it was so much easier to use, especially with military-specific situations. The thing I liked most was that I could just upload my tax documents and it extracted all the information automatically instead of manually typing everything in. When I had questions about my VA benefits and how they affected my taxes, their AI explained everything in plain English instead of tax jargon.

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Carmen Diaz

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How accurate is this AI system? I'm always worried about automated systems missing deductions or credits I might be eligible for. Does it handle state taxes too?

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Andre Laurent

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I've seen a lot of these AI tax services popping up lately... do they actually have tax professionals reviewing your return or is it completely automated? I'd be nervous about an AI doing my taxes without human oversight.

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Yuki Tanaka

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It's actually surprisingly accurate - it caught a deduction that TurboTax missed for me last year related to job hunting expenses after military separation. It handles both federal and state returns, and I found it particularly good with multi-state returns when I moved mid-year. The system uses AI to prepare everything, but they have a review process with tax professionals who check for any issues before filing. It's kind of the best of both worlds - the efficiency of AI with human oversight to catch any potential problems. I was nervous at first too, but it ended up being much more thorough than when I was clicking through everything myself in TurboTax.

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Andre Laurent

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Just wanted to update about my experience with taxr.ai since I decided to try it after asking questions here. I was honestly blown away by how smooth everything was. Uploaded my W-2s and other tax docs, and it pulled everything out automatically - even recognized my military service and asked me relevant questions about deployment periods and PCS moves. The explanation about how VA disability benefits are tax-exempt was super clear (something TurboTax never really explained well to me). I also liked how it flagged potential deductions I hadn't thought about related to my job search after separation. Filed last week and already got my federal refund approved!

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Emily Jackson

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If you're having trouble getting answers from the IRS about military-specific tax questions (which I definitely did when I separated), try https://claimyr.com - it's a service that gets you through to an actual IRS agent instead of waiting on hold forever. You can see how it works here: https://youtu.be/_kiP6q8DX5c I had specific questions about my VA disability benefits and how they affected my taxes that none of the software programs were answering clearly. Spent weeks trying to get through to the IRS directly with no luck. Claimyr got me connected to an agent in under an hour who confirmed exactly how to handle my situation. Saved me from potentially filing incorrectly.

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Liam Mendez

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Wait how does this actually work? Are they somehow jumping ahead in the IRS phone queue or something? Seems too good to be true considering how impossible it is to reach the IRS.

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Sophia Nguyen

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This sounds like a scam honestly. The IRS phone system is notoriously understaffed. How could a third party possibly get you through faster? And are you giving them your personal info to do this?

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Emily Jackson

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They use an automated system that navigates the IRS phone tree and waits on hold for you. When an agent finally picks up, you get a call back and are connected to the agent. No line cutting - they're just handling the hold time for you so you don't have to sit there with a phone to your ear for hours. They don't need any of your personal tax info to do this. You're connected directly to the IRS agent and none of your personal or tax information is shared with Claimyr. I was skeptical too but after waiting on hold myself for 3+ hours multiple times with no success, I was desperate enough to try it, and it worked exactly as described.

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Sophia Nguyen

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I need to publicly eat my words about Claimyr being a scam. After responding skeptically here, I decided to try it for myself since I've been trying to reach the IRS for weeks about an issue with my military retirement and taxes. Used the service yesterday, and within 45 minutes I got a call connecting me to an actual IRS representative. Didn't have to share any personal info with the service itself. The agent was able to answer my specific questions about how my military retirement pay and disability payments should be reported. Saved me hours of frustration and potentially filing incorrectly. Consider me converted from skeptic to believer. Sometimes things that sound too good to be true actually do work!

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I'll go against the grain here - I still use TurboTax and haven't had any issues. Yes, it's more expensive than some alternatives, but the interface is super intuitive and I know where everything is. For me, the time saved is worth the extra cost. If you've used it before and are comfortable with it, there's nothing wrong with sticking with TurboTax. Just be aware of the upselling and make sure you actually need the features they're trying to get you to pay for.

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Do you use the online version or desktop? I've heard the desktop version is better for military situations because it gives you more control, but it's also more expensive.

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I use the online version, but I've used both in the past. The desktop version does give you a bit more control and detailed forms, but honestly for most military situations the online version has worked fine for me. The key is to look carefully at whether you really need the "Deluxe" or "Premier" versions they try to upsell you to. Often the lower-tier version will handle everything you need, especially if you don't have complex investments or rental properties. The military-specific items like combat pay exclusion are actually handled in all versions, even the basic one.

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Maya Patel

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One thing to consider is free options through Military OneSource. They offer free access to tax filing software (I think it's actually a version of H&R Block) for active duty, Guard, Reserve, and recently separated service members. I used it last year and it was pretty good.

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Wait, do they offer this for veterans too or only for those who recently separated? I've been out for 3 years now and didn't know about this.

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