Call the Tax Advocate Service. With that amount of money and this long of a wait, they might be able to help.

That TC810 refund freeze from February is definitely the issue here. The fact that you got TC571 (resolved) in June but still no refund means there might be additional holds or manual reviews happening behind the scenes. With a refund that large compared to your income, the IRS computer systems probably flagged it for human review to verify everything is legitimate. The TC977 from 2023 could be complicating things - even though you don't remember filing an amendment, the IRS might have processed one automatically or there could be a discrepancy they're still sorting out from that year. At this point, you really need to call the IRS directly at 1-800-829-1040. Have your transcript ready and ask specifically about the TC810 hold and when it will be released. If you can't get through, definitely contact the Taxpayer Advocate Service like Romeo mentioned - they handle cases exactly like this where refunds are unreasonably delayed.

Looking at your transcript codes, this is actually really promising! The 811 "Removed refund freeze" on 01-09 means your return was indeed held up (probably for routine verification) but that hold has been lifted. The 846 code with date 01-30-2025 for $4,258.37 is the big one - that's your actual refund issued date. The $292.37 interest (code 776) is because of the delay since you filed in February. You should see the money in your account within 1-5 business days after 01-30, so likely by early February. The processing is basically done at this point!

Wow, that's an amazing breakdown of your transcript! Seeing those specific codes with dates is such a good sign. The 811 "Removed refund freeze" explains why you've been waiting so long - your return was probably flagged for routine verification but now it's cleared. That 846 code for 01-30-2025 is basically the IRS saying "we're sending your money" so you're almost there! The interest payment is actually pretty decent too for the wait you've had to endure. Fingers crossed you see that deposit hit your account in early February! 🤞

That 810 freeze code from Feb 16 combined with your March 5 verification completion puts you in a pretty typical timeline. Most people see movement 4-9 weeks after verification, so you're getting close to that window. Your transcript looks clean - no penalties, no adjustments, just waiting for that freeze to lift. Keep checking weekly for codes 571 (freeze release) and 846 (refund issued). The fact that your return processed on 3/28 is actually a good sign that everything else is moving through the system normally.

That's a substantial refund amount! With your verification completed on 3/5 and processing date of 3/28, you're definitely in the waiting period that many of us know all too well. The 810 freeze from 2/16 is holding things up, but since everything else on your transcript looks clean (no adjustments, penalties, or other red flags), it's really just a matter of time now. Keep monitoring for those key codes - 571 will show the freeze being released, followed by 846 with your actual DDD. Some folks see movement as early as 4 weeks post-verification, others wait closer to 8-9 weeks. Given that you verified in early March, you should hopefully see some action in the next couple weeks. The fact that your return processed normally on 3/28 despite the freeze is actually encouraging - it means they're not finding issues with your return itself, just working through their verification backlog.

9 My wife and I have filed separately for years because of her income-based student loan repayment. Your dad should be able to do your taxes without knowing your husband's income - just make sure he knows you're filing separately. Your husband will need his own preparer or software.

When filing married filing separately, you generally don't need to disclose your spouse's income on your return. However, there are a few key things to coordinate: 1. **Basic information needed**: Your husband's name and SSN for your return header 2. **Deduction coordination**: If one spouse itemizes, both must itemize (this could affect your business expense strategy) 3. **Certain credits**: Some require knowing if the other spouse claims them For your situation with business income, make sure those expenses go on Schedule C (business expenses) rather than Schedule A (itemized deductions) - this might allow you both to take the standard deduction. Your father can absolutely help with your return without knowing your husband's actual income amounts. Just provide him with your husband's basic identifying info and confirm your filing status. Your husband can use TurboTax for his side. One caution: Double-check that filing separately actually saves you money after accounting for lost credits (student loan interest deduction, education credits, etc.). Sometimes the tax benefits lost outweigh the student loan payment advantages.

This thread has been incredibly helpful! I've been putting off the mega backdoor Roth strategy because I was confused about the withdrawal rules, but now I understand the key distinctions. It sounds like the optimal approach really depends on your specific situation and plan features. For someone like me who might need access to some funds in the next 3-4 years, the in-plan conversion to Roth 401(k) seems more appealing since it's just one 5-year clock rather than multiple ones. One follow-up question though - for those who've actually implemented this strategy, how do you keep track of all the different conversion dates and amounts? Especially if you're doing regular conversions throughout the year, it seems like it could get pretty complex to manage for tax and withdrawal planning purposes. Also, has anyone run into issues with their payroll system properly handling the after-tax contribution elections? I've heard some companies struggle with the payroll setup for this.

This has been such an informative thread! As someone who's been hesitant about the mega backdoor Roth due to the complexity, reading everyone's experiences has really helped clarify the key decision points. The distinction between Roth IRA rollovers (multiple 5-year clocks) vs in-plan Roth conversions (single clock but limited access) is crucial. It seems like the "best" approach really depends on your timeline for potentially needing the funds and what your specific plan allows. For those still researching this strategy, it sounds like the essential first step is getting crystal clear on your plan's rules around: - After-tax contribution limits - In-service withdrawal/rollover frequency - Whether in-plan Roth conversions are available - Any sequencing requirements (like maxing regular 401k first) One thing I'm curious about - has anyone compared the long-term tax benefits of tying up funds in the mega backdoor vs keeping them more accessible in taxable accounts? I realize the tax-free growth is powerful, but wondering if the liquidity constraints ever make it not worth it for certain situations.