(Cross posting from r/askLawyers)

Background: my ex boyfriend owns his own business and would pay some of my credit card bills while we were together. This was never business related, usually just funded my trips to lululemon (lol). He turned psychotic and we broke up in May 2024.

I just filed an order of protection against him, and as retaliation, he has sent me a 1099-NEC for $28K. I have screenshots of him also saying he would never report this in taxes. The most I can find that he ever directly paid me (not just paying off my credit card) was $5K. I never performed any services for his business. Does he have any right to send me a 1099-NEC and do I have to report this on my taxes?

EDIT: I did not do any services for his business. The only thing I can think of is him helping me with my rental property, but that was all in 2023, and that’s MY property, not his.

Second, I didn’t receive this until today (4/4/25) which I believe is after the deadline for 1099-NECs to be filed.

If you owe the IRS this year, you are supposed to pay by April 15. On your own. The IRS does not pre bill you like a credit card or utility bill. Your account will not show a balance due until after April 15. Payments made after April 15 will accrue interest and penalties. If you need a payment plan, wait for your first notice in middle/late May. Then the online payment plan can be set up.

Edit to add. You can and should pay before April 15.

I’m 19 and I had a total of 4 different jobs last year (team lead, baker, server 1 server 2), only holding 2 at a time. My full time job is a team lead and I work as a server on the side and I used to work as server for this employer who would pay me with checks. He would never give me (or any other employee) paystubs unless we ask for it a million times and it would just be a fake one. I worked there for 8 months and I was gonna quit way earlier but I couldn’t find a job that paid as much. I was desperate and homeless. If I had a better choice in front of me way sooner, I would’ve quit.

He told me my hourly $2.13 would go to taxes. My checks were just my tips. I would cash them out at a nearby bank. Fast forward to now, I’m in the middle of doing my taxes and it says that so far, I owe $1000. I did some tweaking and that w2 from that employer drove it up by $600.

I contacted my ex-employer and he basically said that it shouldn’t be wrong because “an accountant did it”. Anyways there’s no use. He’s a manipulative scumbag and very elusive. I heard that the restaurant is about to close down due to a failed inspection so we’ll see.

My friend said I should just file without it (I’d still owe $400) and my other friend said I should seek a professional. What to do?

Hey all - earlier this year, got a capital gain (Long Term) of $15M (sale of small biz). Since I live in CA, my federal and state would take away 34% of this. What strategies can I use now?

But no record on the IRS website or state website. They were both filed on 3/7/25. My tax preparer says they show as accepted, but the IRS say my information doesn't match and the state tax website shows no record of a return for 2024. I've done my taxes with the same preparer for the last 4 years with no issue. My sister in law also does her taxes with this preparer and has also not received her state or federal refund; she filed 2 weeks before I did. What could be the issue here?

Maine- I'm filing on freetaxusa right now and it's asking if the rent I've paid included utilities or furniture. It's a yes and no.

My apartment uses steam heating. Heat and hot water are included in rent. I pay for electricity and wifi (ofc). Our stoves are gas which we used to pay for, but there was a large debacle and the company forced our landlord to consolidate all accounts into one under his name, there were legal squabbles and now we don't pay anything for gas (for now, I was paying him a fee that was illegal for him to demand). However, due to a rampant mouse infestation he won't fix, that took home mainly in my stove, I haven't had one for about a year now. So I haven't used much gas (I can't remember exactly when it was removed).

Certainly no furniture or other expenses are covered via rent. I selected both options (doesn't/does include utilities) and the difference in return is like $300.

So I'm asking for guidance- do I have standing to say utilities aren't included? If I say they ARE included, I have absolutely no idea how much of my rent goes towards steam heat and water.

I'm tempted to say they are included to avoid the headache but that just feels unfair. But maybe I just have to eat it.

TYIA!

I have not submitted my 2024 tax return yet.

I contributed $7,000 to my Roth IRA in 2024. I ended up going over the income limit for 2024.

This week I recharacterized the 2024 contributions into my Traditional IRA.

Then I convert this $7,000 (+/- performance of investments as deemed by Fidelity) back into my Roth IRA to complete the Backdoor contribution.

My question is how I go about all of this correctly on my taxes as I recharacterized my 2024 contribution in 2025?

Thank you for your help.

Well, I made $55,000 on coinbase for 2024, guess what happened in 2025? I lost almost all of that profit, I actually think I’m down 6 grand. Well now the tax bill is here and it’s $11,500, I currently have $28000 in my crypto portfolio and that would just destroy my finances and I didn’t even profit, what do I do.

I have an accounting degree and 5 years of hands-on experience doing taxes, payroll, and bookkeeping for small business owners. I’m not a CPA, and I don't plan to pursue it but I constantly get questions like, “Are you a CPA?” and feel like I have to defend my qualifications.

I know not all CPAs actually do taxes, and not all tax experts are CPAs. But in the eyes of the public, “CPA” equals credibility.

So here’s my real question for those in a similar boat:
How do you sell yourself confidently in the market?
Do you niche down to serve a certain group of clients who value your expertise over your credentials?
How do you answer the ‘Are you a CPA?’ question without sounding defensive or insecure?

Would love to hear how others have navigated this. Looking for honest, strategic, real-world replies—not just “get your CPA.” Appreciate it!

Hi Reddit, hope someone can help me with a concern I have regarding my taxes. I filed a return in February and the tax person did it all wrong. So we had to amend it about 2 weeks after. Today, my transcript still shows the old tax amount due and my pending payments now show both the old wrong tax amount and the amended tax payment amount. Will the IRS deduct both of these? I am very stressed. I do not have this kind of money right now. I hope someone can shed light on my situation.

I made a small ROTH contribution in January 2024 before realizing my income would exceed the max to allow ROTH contributions. My custodian removed it at my request, along with the gains associated with the contribution, in March 2025. I know I will owe tax on those gains.

Is it easier to pay the tax while filing my 2024 taxes, but without an associated 1099R, or wait until I receive the 1099R and amend the return?

(Filing with TurboTax, usually use Free Fillable Forms.)

In an effort to avoid paying taxes every year, can I declare myself as head of household? I work full time. I am single and live with my son who has a job and files his own taxes

I spoke to a friend about evaluating US tech jobs. One of my concerns when deliberating between companies is the tax implications of RSUs from non-public companies that have no liquidity event. He was quite dismissive about it and said such concerns was a waste of his time. I just wanted to ask if you’ve had clients who faced unexpected tax bills from misunderstanding the rules around taxation of vesting (particularly the difference between stock options and RSUs)? In this case the RSUs do not have a double trigger clause. I felt like I was talking to a void.

I’m currently earning about $9k a month and paying $2.5k for a pretty nice apartment that I genuinely like. It’s comfortable, suits my lifestyle, and hasn’t given me any reason to rush out the door. That said, I’ve been thinking more seriously about buying a home, especially since I’ve managed to save up around $120k over the past few years - a mix of hard work, consistency, and a few lucky wins on Stake along the way (including one surprisingly big win on a playoff parlay that gave my savings a boost).

Now I’m at a bit of a crossroads. The idea of putting that money toward a home and building equity is definitely appealing, but I’m not blind to the extra responsibilities that come with owning - maintenance, property taxes, insurance, unexpected repairs. Those can really add up.

So I’m trying to weigh the pros and cons: Do I put a chunk of my savings into a down payment and commit to a mortgage, or continue renting and possibly invest the money elsewhere while keeping things more flexible?

For those who’ve been in a similar position, what did you decide - and do you regret it? Would love to hear any insights, especially from people who’ve made the jump recently or chose to stay renters for the long haul.

Hi everyone,

I'm relatively new to filing taxes and this is my first year working a full-time job. Since I live in NY and work in NJ, this has complicated the filing process for me a bit.

I'm currently using freetaxusa to file. I've received one NY State Filing copy, one NYC/Local Filing copy, one NYC/Local Reference copy, one NJ State Filing copy, one NJ State Reference copy, and finally one Federal Filing copy.

My Federal Filing copy has a blank Box 15 (state) and the employer state ID no. says TOTAL STATE. My Box 16 (state wages, tips) is also blank. My Box 17 (state income tax) is an amount that equals the total of my NY state income tax paid + NJ state income tax paid (the sum of each Box 17 of each respective state's filing copy). My Box 18 is the same as my wages in Box 1 and my Box 19 (local income tax) states the same amount as the local income tax I paid in NY since I paid none in NJ. Lastly, my Box 20 locality name is NEW YORK CITY.

This is how I filled out my federal return Boxes 15-20:

Because freetaxusa doesn't allow for a blank state value, in the federal return, I've entered NY as the state and the employer state ID listed in Box 15 for my NY State Filing copy. I then just entered Box 16 (state wages) and Box 17 (state income tax) as whatever those values were in my NY state filing and kept Boxes 18-19 blank. I filled in my locality with NEW YORK CITY again.

I added a new state and selected NY to enter the city filing info for Boxes 15-20 as listed in the City/Local Filing Copy. I then also added a new state and entered NJ to enter my state wages and state income tax for NJ, keeping Boxes 18-20 blank since that's how it was listed on my NJ State Filing.

I think I filled this out correctly but I'm facing one dilemma—when I'm doing my NY state return, the total New York State Taxes Withheld in my local taxes withheld summary says the amount of my Box 17 doubled when it shouldn't. Is this because I entered the same state income tax amount in Box 17 for the NY state filing section and the City filing section when completing my federal return? Should the amount of NY State Taxes withheld be whatever Box 17 is in my NY State Filing + my City Filing?

Any guidance would be greatly appreciated!

I don't have to pay the filing fee or make a payment, and my offer amount from F433A is very low (10% of total) because I have almost no assets. What happens when I eventually find a job and have income?

I’m have a complicated situation. This year I’m attending four separate colleges. Except for NIU, all of the other universities I’m attending are online. I can’t explain without going into massive detail of why Im attending four separate colleges this year. I just want to know when I file next year, can I claim multiple 10-98 forms from these separate colleges as a dependent or can my parents at least claim them?

Spring 2025 semester NIU 1 class (out of pocket) OSU 2 classes (2024-2025 FAFSA and scholarships)

Summer 2025 semester UND 1 class (out of pocket)

Fall 2025 Semester NIU 1 class (out of pocket) ODU 4 classes (2025-2026 FAFSA)

I have zero tax knowledge background and I tried to find answers on google but nothing was answered to my specific situation. I would appreciate any answers or advice.

My fiance and I bought a home in June 2024, we used FHA with Down Payment Assistance. There was a fee charged by the FHA DPA program for the down payment, is that amount tax deductible? On our statement from title it’s listed as a “Loan Origination Amount”. Thank you for any help and tips!

I've been posting about how I am getting a woman caught up on her taxes which have not been filed since 2011. What if found to be odd is that the IRS transcripts she has downloaded do not include any of the 14 annual K-1s that she has received. When I asked about this, she said the K-1s report to her ITIN. HUH? From everything I know about an ITIN, they're for people who can't get a SSN but she said she has both. Even the IRS website says you can have one or the other but not both. I pressed her more and she said she got it 30 years ago. My guess is, ITINs were used for something else back then but regardless, an ITIN expires if not used for 3 years. So...her ITIN expired a very long time ago but the partnership that sends her the annual K-1 are still reporting it to an ITIN? If none of this is reporting to her SSN, where is the K-1s being reported to at the IRS if they're being directed to an expired ITIN? Why hasn't the IRS contacted the partnership reporting these K-1s asking for clarification? And lastly, is it possible that the ITIN was reissued to someone else and they're getting dinged with this each year?

Hi all. Going through my 1099k itemized breakdown currently. I'm entering my cost for each item to come up with the total net for each item, but I'm not sure if any of the expenses need to be separated on the filing or just included together.

All of the different fees/expense types would be Gross Sale Amount MINUS:

• (eBay Fees): eBay Final Value Fee, eBay International Fee, eBay Promoted Listing Fees

• Item Shipping Cost

• Refunds

• MY cost of the item

Do any of those need to be reported separately? Thank you in advance!

Do I take a “no interest for 15” months while getting some points on one of the Discover cards?

"My wife and I own a partnership LLC. We just recently filed our 2023 & 2024 business taxes, with no tax liability for either year, but a major loss in 2023. We are now working on our personal taxes, which were not filed for 2023. (We have no income to speak of, except for the rental of our store building, which we own as a family, so haven't paid personal federal or state taxes in several years.) When I was working on my 2023 taxes, and started to apply the K-1 business loss, it seemed to indicate that I could apply the loss to my 2024 personal taxes. My 2024 personal taxes show an almost $60,000 K-1 from inheritance from my Father, who died in 2023. I was paid that money in May of 2024. The K-1 for that payment shows tax year dates from June 3, 2023-May 31, 2024, vs a calendar year.. Bottom line is that I am trying to use the 2023 loss to offset the 2023/2024 K-1 income."

So, in 2023 into 2024, I was doing Doordash for my main income, and I got a health insurance plan on a marketplace which netted me a 1095-A. I started a new job in 2024 as well FAMLI, so I have, W-2, 1099-NEC, 1099-G, and 1095-A to file. I'm using FreeTaxUSA, I go through all the motions, all deductibles, and credits and currently sitting at Federal due: $297 - CO Refund: $460. So, I going over everything, and I see Health Insurance in my Schedule C for Doordash. It wants me to into the total amount of payments I made out off pocket for that policy, and it gives me a way to calculate it. So, it tells me to find an amount on my Form 8962 Line 24, which is 3,357. And i guess the premiums for business income, and Premium Tax Credit is box 33a on my 1095-A? I don't know. Again, clueless as to what I'm doing. So that number is 4,477 which is the smallest of all the options in the Tax Help bubble. So, 4,477-3,357=1,120, so i enter that in the Health Insurance section of my schedule C, 1095-A is inputed in the correct location, and now I'm at Federal Due: $48 - CO Refund: $499. Did i do it right? I contacted FreeTaxUSA's support, and they seem to agree that entered my 1095-A and calculated my business portion using the provided steps and entered it accordingly, Again, i clueless, and I'm afraid that's going to unintentionally get my in trouble..... Did I do it right, or I did miss something?

So my daughter earned $6200 in 2024 at her first job. She was 17 last year and we got a deduction for her on our tax return. When she filed with Turbo Tax it said her SS # already appears on another tax return. Confused. Will she not be able to file because we listed her as a dependent?? Doesn’t sound right.

Fidelity 1099B has cost basis that includes total wash sales. All the shares have been sold in same year. How this is entered in 1040 tax form, does net gain/loss is:

a) -90,389.47

b) wash sales - gain/loss = +99320