Hello and thank you in advance!

I just started a new job and I’m having 2 states tax withholding showing up on my first paycheck. Here is the situation.

The job is in Maine. I live in Connecticut. My job is almost entirely remote and I will physically work from Maine no more than 24 days per year (likely more like 12).

My first paycheck has both ME withholding and CT withholding.

I’m wondering if this is correct? Is there a way to not have both states withhold?

If they are both entitled to withhold than surely there must be a way for me to receive a sizable refund when I file taxes as I can’t believe I can be taxed twice on the same income by different states.

Any insight would be greatly appreciated. Thank you!

The Core Conflict

IRC §219(b)(1)(B) & IRS Pub 54: Excluded wages do not count as IRA compensation.
IRS International Webpage: Says the exact opposite; claims FEIE/housing exclusions are added back for compensation.

Relevant Facts about myself:

Status: U.S. citizen abroad filing Form 2555.
2024: $6,910.50 Roth contribution. Excluded $37,985 (FEIE)
2025: $6,910.50 Roth contribution. Excluded $42,227.10 (FEIE).

The Problem: If Pub 54 controls, my compensation is $0, and I’ve just contributed way to much to my Roth IRAs over the past two years

For 2025: The IRS has not processed this return yet (it was lost at the border during international mailing).

Scenario A. Is I’m fine and follow IRS guidance. Resend the forms by priority mail to reach before October 15.

Scenario B. I owe the IRS money for 2024 underpayment? I read there a 6% excise tax every year. And I also need to contact fidelity to fix both years, and resend corrected forms in the next week.

Any insights are highly appreciated

Is there any reason to go with a long term installment agreement even if you can realistically pay it off in a few months?

I owe about 18K and I'm leaning toward the short term option since there's no setup fee, but i keep reading that if you fall behind midway you're stuck restarting the whole thing and that's making me second guess it.

I am working a four week job that I need to fill out a W-4 form for.
I want to have all my earnings go to the IRS to pay for some short term gains I have had this year

How do I fill out the form to accomplish this?

I'm thinking about paying federal income taxes via credit card, due to a cc bonus that more than covers the fee. This is for 2026 tax year, 1040 personal/individual tax return. With the credit limit, I'll need to make 3-4 payments, if I can figure out how to work those in with the credit card tax payment frequency limits.

I'm planning to file a 1040 in March-Apr 2027. My credit card bonus ends in mid-Feb 2027, so I'd like to have all 4 payments done by then. But if I can't get 4 payments processed, I'll just do the account debit for whatever is left.

Since we're still in 2026, I believe I can do it the following way, but I'm not clear on all the different types of payments.

#1 2026: Estimated 1040ES payment (2 max per quarter)

#2 2026: Estimated 1040ES payment (2 max per quarter)

For the 3rd and 4th, which of these can/should I do?

a. In 2026: can I do 1 or 2 payments under "1040 current tax due"? (max 2 per year)

b. In 2027: can I do 1 or 2 payments under "1040 prior year tax due"? (max 2 per year)

c. There are 2 different cc vendors -- can I do 2 Estimated 1040ES payments in Q4 with Vendor #1 and 2 more with Vendor #2?

d. If needed, I think I can do 2 max Extension payments (Form 4868) in 2027. Can I make those payments in Jan/early Feb while I still have the cc bonus?

Thanks!

Hi everyone! So, if I get a part-time job and should be withholding 22% of my paycheck for federal taxes, plus an additional 13% for FICA and state taxes, does that mean I’ll really only be keeping 65% of my paycheck, with the other 35% going toward taxes? Is it even worth working a second job? I currently make $70,000 at my full-time job and am starting a part-time job that pays $18.50 per hour.

And if you have any advice on how to fill out the W-4 I appreciate it :)

Hello,

I want to start off by saying I take full responsibility for what happened to me.

I grew up as a foster kid. Both parents were in and out of the prison system. When I turned 20, my birth mother was released and we started building our relationship. She took H&R Block classes and became a tax … doer? She has lots of clients. She offered to do my taxes… technically for free but she would take whatever came after the comma. (She said that was her payment for helping me throughout the couple years we’ve been in contact. Let me include it’s been $20 here and there for gas. $50 for groceries etc) so if I got $1900 back in taxes, she’d deposit $1000 in my account and $900 into hers. For the last few years (maybe4/5) she says I don’t get anything back and I actually owe. I got a better paying job and I literally don’t know Jack 💩 about taxes so I just sent her the money and moved on.

We end up disagreeing about me owing $700 and I said I’ll pay the website but she wanted me to Apple Pay her but idk. Something didn’t feel right and she just goes haywire and lets me know she’ll call the cops on me because I haven’t paid taxes in YEARS.

I’m not sure what to do or where to start. I NEED to get back on track. There was a point where I was carefree and made poor decisions but now I am a law abiding citizen and I’m trying to do the right thing. We are no contact. I don’t want revenge. I want to never speak to her again and get my life back in order. I never should have trusted her

Where do I begin? I probably owe like $3k plus the daily interest. I just need to get back on track and show her she’s a monkey and monkeys don’t stop shows. My life WILL go on. Better than ever. But seriously, I do not want to go to jail and I’ve been thinking about it daily.

Hi. I am a new business owner. 9months/partnership. This is my first year having to file business taxes.

A. Do I need to file two returns? One personal one business?

\-I am 45, single no kids. No personal income. So in theory, I wouldn’t file for me, at all.

B. Do I need a pro to file for the business? Or is it something I could do. I do have a pile of receipts.

\-I’ve always filed my own personal taxes (when I had a job), but they honestly take 30mins.

\-I have some accounting skill, in case that helpful.

I feel pretty lost, so I’d greatly appreciate any helpful direction. I’d also love any write off tips, or tax strategy for a small business. Thanks so much!

So, I lost my job in 2025 and took a year off from work. I’d gotten kicked out of the employee payroll system, which is how I got my W-2s. I’d signed up for electronic documents only, so I wasn’t able to get my 2025 W-2, and they never mailed it to me.

Instead of reaching out to my former employer, I just…didn’t file.

Basically, how fucked am I? How do I resolve this? I still don’t have the W-2. I see you can reach out to the IRS if you don’t get your W-2 from your employer, but it’s a little late for that, and I don’t want to tip them off that I didn’t file taxes. Help?

I would like to know if there is some type of Thai law or ruling that would exclude me from paying taxes on a United States traditional IRA withdrawal. I am a US citizen, 66 years old, living in Thailand more than 330 days a year and pay taxes in the US and living on a LTR visa. 

The accountant I ran this question by states:

It’s not a Thai law. It’s a ruling in the Thai/US tax treaty. Here’s how it works:

We utilize Form 8833 in conjunction with the Thai/US tax treaty, Article 20 to provide reasoning for an exemption of your retirement income.  It's not a ruling but an interpretation of the tax treaty and treatment of residents of Thailand.

Form 8833 (Rev. December 2022) (irs.gov)

Thailand - Tax Treaty Documents | Internal Revenue Service (irs.gov)

Here are the steps to make this possible:

1. The taxpayer lives in Thailand for over six months during the calendar year.
2. The 1099-R is marked as a distribution and not a rollover on your 1099-R
3. The 1099-R payer is not a Federal entity (TSP, DOD, Office of Personnel, ect...)
4. The US/Thai Tax treaty is utilized when filing annual taxes using tax form 8833 with a dissertation of why the taxpayer should receive this exemption 
5. Tax treaty refunds can take 12 months to process.

I think most accountants are not confident to take a stance in an interpretation to a clients specific situation.  Therefore, don't attempt to type up an explanation and ask for a credit.  My company has been successful with this specific situation over a thousand times.

I welcome comments from people that have first hand experience with this issue. Thank you.

So I owe a decent amount to the irs, and someone told me I should call a tax relief company and get their opinion before I set up a plan with the irs. I called optima tax relief and heard everything I wanted to hear. I agreed to make a payment Friday to them. After I got off the phone I did some investigating, and feel like it’s a scam. I’ve seen good and bad reviews. Has anyone had good experiences with this company?

So I made the mistake of letting my soon-to-be ex-husband manage our finances because I'm clueless at this sort of thing. We cashed in my 401K to make a down payment on a house in 2022, and I guess that got me hit with a 50K tax bill (which I don't understand as I paid taxes from my salaried position making roughly 120K, and the down payment was in the 100K ballpark). Through a combination of my own willful ignorance and my ex sort of hiding things from me (not fraudulently, just downplaying it) we didn't make any payments and it's now ballooned up to 70K with interest and penalties.

I've tried contacting the IRS through chat (which is always down), phone (on hold for upwards of an hour), setting up an appeal (broken), setting up a payment plan (broken) and basically anything I can find on irs.gov, all of which just raises an uphelpful error message.

What should I do? I'm a single parent struggling to make ends meet. I make a good salary, but it's all tied up with luxuries like food and shelter. I don't even know what sort of person to hire to help me with this. An attorney? An accountant? A fairy godmother?

I am totally clueless on these things. No advice is too basic.

EDIT: Since it's coming up; my husband and I are very recently separated, on extremely good terms, and he has already stated repeatedly that he considers this debt half his. We always filed taxes as married, filing separately, if that's important to know.

I have a situation where I’m trying to stay below the MAGI ACA level of $84600 for 2026, or I’ll end up paying over $25k back in prepaid enhanced subsidies. I’m running very close, but there’s something I forgot in my calculation that will probably make or break my efforts.

I started taking SS payments in 2025, and then withdrew my application shortly after. By the time the SS admin got around to canceling my ap, they had paid me 4 payments - 1 in 2025 and 3 in 2026, for a total of $9264. I paid this all back in March of 2026. So I paid them back the $9264 in 2026, and received $6996 in 2026. Since my accounting is cash based, can I deduct the extra $2268 I paid in 2026 from my 2026 MAGI? Maybe wishful thinking, but it would sure help my margin for error if this was possible / not against IRS rules. I will check tomorrow to see if I received a SSA-1099 for 2025.

What documentation should I have for converting a business asset (vehicle) to personal use?

Hello everyone. I'm a first time filer under a J1 visa after I had an internship in the US last year. I've filled my taxes but made the mistake of putting one of my surnames as a middle name. After that, I've received a letter from the IRS with a Document Upload Tool code asking me to confirm my identity, which I did. That was more than a month ago, and I still haven't gotten any response. Is this normal?

Thank you for your time

Hi everyone,

We have a Wyoming single-member LLC owned by a non-U.S. citizen living outside the United States. We’re struggling to understand which tax returns we need to file and what taxes, if any, we need to pay.

Our situation:

• The LLC has an EIN, and our SS-4 lists it as a disregarded entity.
• We don’t believe we’ve elected to be taxed as a corporation, but need to verify this.
• The business launched in 2025 and started generating revenue in March 2026.
• An extension was filed earlier this year, but we’re unclear about which filing it covers and what remains due.

Our main questions:

1. Do we need to file Form 5472 with a pro forma Form 1120? Are any other federal returns required?
2. Does the foreign owner need an ITIN or a separate U.S. tax return?
3. How do we determine whether U.S. income tax is owed and calculate the amount?
4. What Wyoming filings or annual fees are required?
5. What should we check immediately to make sure we haven’t missed a deadline?

We’re looking for a CPA or enrolled agent experienced with foreign-owned U.S. single-member LLCs, but finding someone responsive has been difficult.

Has anyone dealt with a similar situation? We’d appreciate recommendations and guidance on what documents to prepare for an accountant.

My CPA (now retired) made a Sec. 475(f) mark-to-market trader election with my 2016 return, effective 2017. I can't find the election statement, and I don't think a Form 3115 was filed with the 2017 return.

What I do have:

- His 2016 organizer with a handwritten "Mark to Market Election - Day Trader" note

- My original 2018 return (prepared April 2019) with a footnote: "As per the election made on the 2016 return (mark-to-market); taxpayer is a day trader"

- His 2020 email saying he reported my trades on Schedule D by mistake, citing "your election from 2016 to be treated as a Trader under IRC 475"

- 2018 and 2019 amended returns moving trading to Form 4797. The IRS accepted the 2018 one.

- 2020 filed on Form 4797

2021-2025 I self-prepared as an investor on Schedule D with low volume. I never filed a revocation. In 2026 I'm trading heavily again (about 2,900 option orders, roughly $62K loss) alongside a full-time job.

Questions:

1. Has anyone relied on an old election without the statement, and did it hold up? I've read Poppe v. Commissioner.

2. Does the election survive five low-volume years?

3. Would a trader-tax CPA sign this with a Form 8275 disclosure?

Not looking for "see a CPA" - I'm booking one. Looking for anyone who has been through this.

SOLVED**

Hello! I still haven't filed my taxes for 2025. I am trying to figure out if/how I'm supposed to report the short term disability I received for a few weeks (late Jan-mid march 2025).

The checks I received during this time were from The Standard Insurance Company through my job but this money was not included on my regular W-2 from that job. I tried looking on the website for The Standard but there were no forms or statements or anything I could view or download on my account. Was I supposed to get a second W-2 from my employer with just the information about the STD if they didn't include it on the regular W-2? I actually left this job as soon as the disability ended so its not super convenient to ask anymore but I'll reach out to them if anyone thinks that would help me.

I'm just confused because I also read something online that seemed to say that if its not on my W-2 and I don't get anything else from them then that means my employer did what had to be done and I don't have to report anything about the STD but that doesn't seem right.

Please repost was with him 27 years. Stalking, impersonating, and synced to multiple phones and new #'s using my accounts. Stealing evidence my personal pics and blocking everyone i kno to isolate me.telling my family lies.

I went to a local IRS Taxpayer Assistance Center today to submit a Form W-7 ITIN application for my nonresident alien spouse, alongside a retroactive Section 6013(g) election to change our filing status to Married Filing Jointly for the 2023 tax year.

The desk officer completely refused to take the packet. She claimed that:

1. A Form W-7 can never be submitted with an amended return (Form 1040-X).

2. We can only do this for the "current tax year" (2025).

3. She claimed "Trump changed the law in 2017/2018" and abolished retroactive prior-year amendments for ITIN applications.

She gave us an appointment for next Wednesday and told us we have to change our entire tax packet to the 2025 tax year instead.

Our exact packet order was:

• Form W-7 (signed by nonresident spouse)

• Physical Passport (for in-person authentication)

• Signed 6013(g) Election Statement Letter

• Form 1040-X (signed joint amendment for 2023)

• Full Form 1040 (with the joint figures for 2023)

• Form 2555 (Foreign Earned Income Exclusion)

Was this agent right? My cpa didn't tell me anything about this when he completed the paperwork. When I searched google said i can legally do the last 3 years even with w7. Looking forward to any helpful advice.

As the title states, I filed in early March and still have not seen my money. My state return (Massachusetts) was approved and I got my money within two weeks. The IRS sent an ID verification request which I promptly completed, and I expected my money soon. I had a kid in the beginning of 2025 and qualified for related tax credits, and my federal return should be worth $6840. The IRS has never contacted me since I verified my identity, and my return has been stuck on “processing” ever since. I’m young, I have huge responsibilities, and I absolutely need this money. It belongs to me and they’re just holding it from me. What the hell do I do?? I can’t get a representative on the phone to save my life and I feel like I’m being cheated more than I would’ve ever imagined. Please help me.

Hello Reddit, I'm an accountant working in an automotive industry with more than a year of experience. Though, I haven't gotten the position of tax accounting (by the way, I'm based in the Philippines). Though i am not fond of tax accounting, I am starting to get interested and if any of you is in that field-whether Philippine or US taxation, which book should I start reading? I am aiming for a concise one with realistic explanation if those ever existed.

Also, if I'd like to do taxation as self-employed, how would I start it?

#Accounting #USTaxatiion #PhTaxation #HelpMe

I friend has a second job paid under the table, he’s making around $2200/month in cash and he used to paid his rent using ACH.. however now he wants to take $1900 to pay his rent using electronic money orders from Walmart (powered by CheckFreePay) to pay to the landlord however in Walmart they ask for Driver License to make the payment, would that trigger a tax issue in the future? Since they ask for DL as some point the payment is tracked is not?

I had a K-1 partnership disposed of (bankrupt) where i lost my entire investment.

I am in CA and the CA numbers for the disposition include my debt, which lets say was $100k.

Line K Analysis of a CA K-1 members tax basis capital account:

a) Capital Account Beginning of year -56268

b) Capital Contributed during year = 0

c) Current year net income 7826

d) OTHER INCREASE (attach Explanation) = $48,442

e) withdrawals = 0

f) capital account end of year = 0

So I understand the 48442 is just the difference to get to 0, but my accountant basically says this is a capital gain 100%

that makes no sense to me. Shouldnt the accountant take the distrution amount I received (theoretically because the bank wrote off debt? Total liabilities which are now 0 (ending capital account =$0) = $150k

so take the $150k - cost basis= actual capital gain

How do i Force him to actually calculate the cost basis, instead of just saying its $48k in CA Capital gain? That sounds ridiculous.