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Does anyone know how the 5 dependency tests work for parents living with adult children? My mom moved in with me last year after Dad passed away. She gets about $1800/month from Social Security but I pay for housing, utilities, groceries, and most of her medical bills not covered by Medicare. Her annual income is about $21,600 which seems high, but I'm definitely providing more than half of her total support when you count everything.
Amina Bah
ā¢For parents, you'd use the qualifying relative tests, not the qualifying child tests. The four main qualifying relative tests are: 1. Relationship test - Parent automatically meets this 2. Gross income test - Their income must be less than $5,000 (for 2025) 3. Support test - You must provide more than half their support 4. Not a qualifying child test - They can't be someone else's qualifying child Unfortunately, with $21,600 in Social Security income, your mother's income exceeds the gross income limit for a qualifying relative. Even though you provide more than half her support, she wouldn't qualify as your dependent because of the income test.
Ryan Young
This is such a helpful thread! I'm dealing with my own dependency confusion right now. My 22-year-old brother lives with me and my spouse while he's finishing his master's degree. He works part-time and made about $12,000 last year, but we pay for his housing, utilities, food, and help with tuition costs. The tricky part is he's not a full-time student anymore since he's only taking thesis credits this semester. Does that affect whether I can claim him? I know the age test for qualifying child requires being under 24 AND a full-time student, but I'm not sure how "full-time" is defined when you're just doing research/thesis work. Also, since he's my brother (not my child), would I need to look at the qualifying relative tests instead? The relationship test should be fine since he's my sibling, and I'm pretty sure we provide way more than half his support. Just trying to figure out which set of rules applies here!
Freya Ross
ā¢Great question! For your brother's situation, the full-time student definition can be tricky during thesis/research phases. The IRS generally considers someone a full-time student if they're enrolled for the number of hours or courses considered full-time by the school, even if it's just thesis work. You should check with his university to see if thesis credits count as full-time enrollment. Many schools consider thesis students as full-time even with fewer credit hours. If he doesn't qualify as a full-time student, then you'd look at the qualifying relative tests instead of qualifying child tests. Since he's your brother, he meets the relationship test. With $12,000 income, he's over the gross income limit for qualifying relatives (which is around $5,000), so he wouldn't qualify under those rules either. Your best bet is confirming his student status with the school. If he's considered full-time for thesis work, then he could qualify as your qualifying child since he meets the age (under 24 + student), relationship (sibling), residency (lives with you), and support (you provide over half) tests.
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bruh ive been checking my chime acct every 2 seconds like its gonna magically appear š¤”
same here...my thumb getting tired from pulling down to refresh š
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FWIW, the Chime subreddit has a whole megathread about tax refunds rn. Seems like most ppl with DDDs between 2/20-2/24 are getting them 1-2 days early. But there's always exceptions. Some banks (esp credit unions) don't process on weekends, but Chime does. IMO it's better to assume it'll come on the actual DDD and then be pleasantly surprised if it shows up early. Don't make any financial commitments based on getting it early!
Sean Kelly
I'm in the exact same situation! My transcript shows DDD 2/24/2025 and this is also my first year with Chime. Based on what everyone's saying here, it sounds like there's a good chance we'll see it tomorrow or Friday, but I'm trying not to get my hopes up too much. I've been checking my account way too often already š One thing I learned from reading through these comments is that it really depends on when the IRS actually sends the payment file to the banks. The transcript just shows the "official" date, but the actual timing can vary. I'm going to follow the advice about not planning any expenses around getting it early - better to be surprised than disappointed! Thanks for starting this thread, it's been super helpful to see everyone's experiences with Chime and tax refunds!
Leo Simmons
ā¢I'm in the same boat too! Also first-time Chime user with a 2/24/2025 DDD. I've been obsessively refreshing my account every few hours since seeing my transcript update yesterday. Reading through everyone's experiences here has been really reassuring - sounds like most people are getting their deposits 1-2 days early, which would be amazing for my budget this week. I'm trying to take the advice about not counting on it being early, but it's hard not to get excited about the possibility! Has anyone noticed if there's a specific time of day when these early deposits typically show up?
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Wow, this thread has been such an eye-opener! I'm in a very similar situation - my parents want to add me to their deed for a property that's appreciated significantly over the years. Reading through everyone's experiences, I'm now realizing I need to slow down and really think this through. The carryover basis issue alone could cost me tens of thousands in capital gains taxes down the road. And I had no idea about the Medicaid lookback period implications - that's definitely something my parents and I need to discuss since they're getting older. The mention of transfer on death deeds as an alternative is really intriguing. It sounds like that could give us the best of both worlds - avoiding probate while preserving the stepped-up basis advantage. I'm going to look into whether that's available in my state. One question for those who've been through this - when you consulted with tax professionals and estate planning attorneys, did you find significant differences in their recommendations based on your parents' overall financial situation? My parents have modest retirement savings beyond the house, so I'm wondering if that changes the calculus at all. Thanks to everyone who shared their experiences. It's clear I need to invest in some professional advice before making any decisions, but at least now I know the right questions to ask!
Nia Davis
ā¢@Jamal Washington, you're asking exactly the right questions! Your parents' overall financial situation definitely impacts the strategy. If they have modest assets beyond the house, that actually makes the decision more complex in some ways. With limited other assets, the house might represent a significant portion of their estate, which could affect both gift tax planning and Medicaid eligibility strategies. If they're close to Medicaid asset limits, adding you to the deed could actually help protect the home's value while still allowing them to qualify for benefits when needed - but the 5-year lookback period timing becomes crucial. One thing I learned from my consultation is that families with more modest estates sometimes benefit more from keeping things simple and just doing proper estate planning with wills/trusts rather than lifetime transfers. The stepped-up basis you'd get through inheritance could be worth more than the probate avoidance benefits of a quitclaim deed. Definitely ask the professionals about your state's homestead exemptions too. Some states protect the primary residence from Medicaid recovery, which could influence the best approach. The combination of your parents' age, health, financial situation, and your state's specific laws all factor into what makes the most sense. You're absolutely right to slow down and get professional guidance first. These decisions have long-term consequences that are hard to undo once the deed is signed!
Ava Martinez
This is such a valuable discussion! I'm actually going through something very similar with my elderly parents right now. They've been pressuring me to let them add me to their deed "to make things easier," but after reading through all these experiences, I'm realizing there are so many more considerations than I initially thought. The stepped-up basis issue is particularly concerning for my situation. My parents bought their home in 1995 for $95,000 and it's now worth around $380,000. If I understand correctly from what everyone has shared, getting added to the deed now would mean my basis would be tied to a portion of that original $95,000 purchase price. But if I inherited it later, my basis would step up to current market value - potentially saving me massive capital gains taxes if we ever need to sell. I'm also really glad people brought up the Medicaid lookback period. My parents are in their late 70s and while they're healthy now, long-term care is definitely a possibility in the coming years. I had no idea that property transfers could affect Medicaid eligibility. The suggestion about transfer on death deeds is something I definitely need to research for my state. It sounds like that might address my parents' concerns about avoiding probate while still preserving the tax advantages for me. Has anyone dealt with parents who are really insistent on doing the quitclaim deed approach? Mine keep saying their friend did it and it was "no problem," but clearly there's a lot more nuance to consider. I want to have a thoughtful conversation with them about alternatives, but I also don't want to seem like I'm being difficult about something they see as a generous gesture.
QuantumLeap
ā¢@Ava Martinez I totally understand the family dynamics piece of this! My parents were similarly insistent initially because their neighbor had done a quitclaim deed and said it was simple. "The" key thing that helped me have a productive conversation with them was framing it as wanting to make sure we were doing what was truly best for THEM, not just what seemed easiest. I calculated the actual numbers for my situation - showing them that with their property appreciation from $95k to $380k, I could potentially face around $70k+ in capital gains taxes if we sold later with a quitclaim approach versus inheriting with stepped-up basis. When they saw those real dollar amounts, they understood why I wanted to explore alternatives. For the conversation, I d'suggest emphasizing that you re'grateful for their generosity and want to make sure any approach we choose maximizes the benefit for the whole family while protecting their interests too. Maybe frame it as let "s'just talk to a professional to make sure we understand all our options before we decide. The" transfer on death deed option was actually what convinced my parents in the end - it accomplished their goal of avoiding probate and making things easier "while" preserving the tax advantages. They felt good knowing the house would transfer to me seamlessly without court involvement, and I felt good knowing we weren t'creating unnecessary tax burdens. One thing that really helped was offering to pay for the consultation with an estate planning attorney myself, positioning it as wanting to be thorough rather than questioning their judgment. Sometimes parents just want to feel heard and know their concerns are being taken seriously!
Ethan Moore
I'm dealing with this exact situation right now too! Got a 1099-NEC when I should have received a W-2 based on my work arrangement. After reading through all these comments, I'm planning to try the direct conversation approach first with my employer. For anyone in a similar spot, I found this IRS publication really helpful: Publication 15-A (Employer's Supplemental Tax Guide) has a detailed section on worker classification. It covers the three main categories they look at: behavioral control, financial control, and relationship type. The key factors that suggest employee status include: the company controlling when, where, and how you work; them providing equipment and facilities; you working set hours; having a continuing relationship; and the work being a key part of their business operations. If the direct approach doesn't work, I'm prepared to file Form SS-8 for an official determination. The peace of mind of knowing you're following the correct tax procedures is worth potential workplace tension, especially when thousands of dollars in self-employment taxes are at stake. Has anyone had success using the IRS's online resources to build their case before approaching their employer?
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Josef Tearle
ā¢The IRS resources are definitely helpful for building your case! I used Publication 15-A along with the IRS's SS-8 form instructions when I was preparing to talk to my employer about my misclassification. What really helped me was creating a simple document that listed each IRS factor and how my situation met the employee criteria. For example, under "behavioral control" I noted that my supervisor assigned specific tasks, set deadlines, and reviewed my work quality. Under "financial control" I documented that they provided all equipment, set my pay rate, and I couldn't work for competitors. Having that organized information made the conversation much more productive. My employer could see it wasn't just my opinion - these were the actual IRS guidelines. They ended up agreeing to correct my classification without me having to file anything with the IRS. I'd recommend printing out the relevant sections of Publication 15-A to reference during your conversation. It shows you've done your homework and aren't just complaining about taxes.
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Myles Regis
This is such a stressful situation, but you're absolutely right to question the classification! I went through something similar a few years ago and it's worth fighting for proper classification. One thing I'd add to the great advice already given - make sure you document EVERYTHING about your work arrangement before having that conversation with your employer. Write down specific examples of: - How they control your schedule (do they set your hours?) - What equipment/software they provide - Whether you have a dedicated workspace at their office - How they train and supervise you - Whether you can work for other clients (spoiler: probably not if you're working full-time) Having concrete examples makes it much harder for them to argue you're truly an independent contractor. The fact that you work at their office with their equipment on a set schedule sounds like textbook employee classification to me. Also, don't panic too much about the tax bill. Even if you end up having to file as a contractor this year, you can set up a payment plan with the IRS if needed. But definitely pursue the reclassification - at your income level, the difference between contractor and employee taxes is substantial. Keep us updated on how it goes! This community has been really helpful for these kinds of situations.
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Katherine Harris
ā¢This is excellent advice about documentation! I'm going through this same situation right now and started keeping a detailed log after reading through this thread. One thing I'd add - if you use company email, messaging systems, or project management tools, try to save examples of how they assign work and give feedback. I found screenshots of my supervisor giving me specific deadlines and work instructions really helpful in showing the level of control they have over how I do my job. Also, @7c53e7b39e53, have you had a chance to talk with your employer yet? I'm curious how that conversation went since we're in such similar situations. The fact that you work in their office with their equipment on a set schedule really does sound like employee classification to me too.
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