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Pro tip: if ur cycle code ends in 05, transcripts update thursday night/friday morning. if its 02, wednesday night/thursday morning. But the wmr tool only updates once a day so dont trust that
how do u even know ur cycle code if transcript isnt up yet?
Same situation here! Filed and accepted on Feb 5th too. I can see my 2023 Account Transcript listed on the IRS site but when I download it, it's just showing my original return info with no updates yet. Based on what others are saying about cycle 05, I'm definitely planning to check Friday morning around 6am EST. The waiting is killing me but at least we're all in this together! 🤞
The IRS phone system has different options depending on your specific issue. What exactly are you trying to resolve? That will determine which number and which menu options are best for your situation.
For what it's worth, I've had success using the callback feature when available. Instead of staying on hold, the system will call you back when an agent is available. It's not always offered, but when it is, it's a lifesaver! Also, if you're dealing with a notice or letter from the IRS, have the notice number ready - it can help the agent pull up your case faster. I learned this the hard way after getting transferred three times because I didn't have all my paperwork organized beforehand.
Has anyone mentioned head of household status yet? That's what you'd probably be filing as now with kids and an unmarried partner. When comparing tax benefits of marriage, make sure you're comparing married filing jointly against head of household (not single), which already gives you some benefits. The marriage benefit might be smaller than if you were filing as single.
This is a really good point. I was head of household for years before getting married, and while marriage did save us money, it wasn't as dramatic as I expected. The tax brackets for HOH are already better than single.
Great question! As someone who went through a similar situation, I can confirm there are definitely tax benefits to getting married when one spouse has no income. One thing I'd add to the excellent points already made - make sure you also consider the timing of when you get married. If you get married by December 31st, you're considered married for the entire tax year for IRS purposes. So if you're planning to tie the knot anyway, doing it before year-end could maximize your 2025 tax savings. Also, with three kids, you'll want to look into how the Child and Dependent Care Credit might change. If your girlfriend ever decides to work part-time or go back to work full-time, being married could affect how much you can claim for childcare expenses. The spousal IRA benefit mentioned earlier is huge too - that's potentially $7,000 more you can save for retirement while getting tax benefits. With 15 years together and three kids, it sounds like you're already a family in every way that matters. The tax benefits could just be the cherry on top of making it official!
Has anyone tried the "two jobs" checkbox in Step 2 of the W4? My husband and I both work and I was thinking that might be easier than trying to calculate everything precisely. Would that work for a situation with commission income too?
I tried the checkbox approach last year and it overwithhheld by quite a bit. We got a $4800 refund which was nice but meant our paychecks were smaller all year. The checkbox basically assumes both jobs make about the same amount, so if there's a big difference in your incomes, it might not be the best option.
The "two jobs" checkbox is designed primarily for couples where both jobs have relatively similar pay. It uses a standard calculation that essentially doubles the withholding rate on both paychecks to account for the combined income pushing you into higher tax brackets. With commission income involved, the checkbox method isn't ideal because it doesn't account for the variability. It would likely result in significant overwithholding during months when commissions are low, and potentially underwithholding when commissions are high. For your situation, either the withholding estimator or the more detailed multiple jobs worksheet would give you more accurate results. If you want something simple but more tailored than the checkbox, you could use the IRS Tax Withholding Estimator once to get a baseline additional withholding amount, then add that to line 4(c) of your W4.
One thing I haven't seen mentioned yet is the importance of considering state taxes in your W4 calculations, especially if you live in a high-tax state. The federal W4 estimator is great for federal withholding, but don't forget that commission income can also bump you into higher state tax brackets. In our case (similar situation - dual income with variable bonuses), we found that we needed to increase our state withholding too. Some states have their own withholding calculators, but if yours doesn't, a good rule of thumb is to add your state's top marginal rate as additional withholding on commission income. Also, since you mentioned your commission varies "quite a bit," consider doing a mid-year check-up around July or August. Run the numbers again with your actual year-to-date income and commission, then adjust if needed. This prevents end-of-year surprises and is especially important in years when your commission pattern changes significantly from what you initially estimated.
Stacey Kimmell
• Got 570 code on January 27 • Date says FEB 17  • No 971 code yet  • No updates for weeks • WMR still says processing
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Ayla Kumar
•You're in a very similar boat as the original poster, and possibly waiting even longer since your 570 code appeared in January. From what I understand, the date associated with the 570 code (Feb 17 in your case) typically indicates when the IRS plans to complete their review of whatever triggered the hold. However, these dates often pass without immediate updates. The lack of a 971 code (Notice Issued) suggests they haven't yet sent formal correspondence about the hold. This isn't uncommon - many people report waiting 4-8 weeks with a 570 code before seeing movement. The IRS is experiencing significant backlogs this season. If you reach 8+ weeks from your 570 date with no updates, you might consider calling the IRS directly or checking if you can access any additional information through your online account. Some members have reported that their refunds suddenly processed even without seeing the 971 code appear first. The waiting is definitely frustrating, but in many cases, these holds resolve without any action needed on your part.
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CaptainAwesome
I'm dealing with the exact same frustrating situation! Filed early February, got the 570 code on Feb 20th with a date of March 6th. That date came and went with absolutely no movement on my transcript. No 971 code, no 571 code, nothing. WMR still shows the generic "processing" message. What's really getting to me is the inconsistent information everywhere. Some people say the date means when they'll resolve it, others say it's just an internal processing date that means nothing. The IRS website is useless for explaining what these codes actually mean for individual situations. I've been checking my transcript obsessively (probably not helping my stress levels!) and it's maddening to see zero progress. At this point I'm wondering if I should just accept that I won't see my refund until late April or May based on what others are reporting. Has anyone had success calling the IRS about a 570 code, or do they just tell you to keep waiting? I'm hesitant to tie up their phone lines if they can't actually do anything to help.
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