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Diego Vargas
Something else to consider: make sure you're using the correct method for your vehicle deductions. You can either use the standard mileage rate (which was 65.5 cents per mile for 2023) OR actual expenses (gas, maintenance, insurance, depreciation, etc.), but not both. For most delivery drivers, the standard mileage rate is simpler and often more beneficial, especially if you drive a lot of miles in an older, fuel-efficient car. But if you have a newer, more expensive vehicle with high costs, actual expenses might be better. Just check that you're consistent with your method - switching between methods after using actual expenses in the first year has specific IRS rules.
Thanks for that tip! I've been using the standard mileage rate since it seemed simpler. My car is a 2018 Honda Civic so fairly efficient. Do you know if I can deduct anything else besides mileage for delivery driving? What about hot bags, insulated containers, car phone mounts, etc?
Diego Vargas
ā¢Yes, you can absolutely deduct those additional items even when using the standard mileage rate! The mileage rate only covers the vehicle costs (gas, maintenance, depreciation, etc.), but you can separately deduct business-specific items like hot bags, insulated containers, phone mounts, portion of cell phone bill used for business, and even specialized clothing or gear needed for deliveries. Just make sure you keep receipts for all these items and note their business purpose. These additional deductions are completely legitimate alongside your mileage deduction and can help offset your delivery income.
NeonNinja
One more thing - if you're doing delivery driving, don't forget about quarterly estimated tax payments for 2025! Since you have self-employment income, you should be making quarterly payments to avoid penalties. I learned this the hard way my first year.
The quarterly tax requirement only applies if you expect to owe $1000+ in taxes for the year. Since OP is showing losses on both Schedule Cs, they probably don't need to worry about quarterly payments unless their situation changes dramatically.
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Ethan Clark
Just to add another data point here - when I had excess contributions in my Roth IRA, it was important to look at the TIMING. If you remove the excess contribution plus earnings before your tax filing deadline (including extensions), you avoid the 6% penalty tax completely and just pay regular income tax on the earnings portion. Make sure you're also looking at your specific type of retirement account (traditional IRA vs Roth IRA) as the tax implications can differ slightly.
Mila Walker
ā¢Does the 1099-R specifically show which part is the excess contribution vs. the earnings? My form just shows a total amount and I'm not sure how to separate them for tax purposes.
Ethan Clark
ā¢The 1099-R usually doesn't clearly separate the excess contribution from the earnings - it typically just shows the total distribution amount in Box 1. Your financial institution should have provided a separate statement breaking down what portion was the original excess contribution and what portion was earnings. If you didn't receive this breakdown, contact your IRA custodian immediately and ask for it. You need this information to properly report the distribution on your taxes since only the earnings portion is typically taxable (assuming you're correcting the excess contribution properly).
Logan Scott
Has anyone used TurboTax for this situation? I'm wondering if it automatically figures out where to put the 1099-R information or if I need to manually override something.
Chloe Green
ā¢I used TurboTax last year for this exact scenario. It asked me questions about the 1099-R and whether it was for an excess contribution. Make sure you enter the distribution code "P" correctly when prompted. The software should then guide you through the correct reporting, but double-check the final return to make sure it's handling it as a non-taxable return of excess contributions (except for the earnings portion).
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Zara Rashid
Just wanted to add another approach - I use an HSA that offers a debit card AND a reimbursement option. I intentionally pay for most medical expenses with my cash-back credit card, then submit the receipt for reimbursement through my HSA provider's website. This way I get the cash back rewards on those purchases. Some HSA providers even have mobile apps where you can snap a picture of the receipt and submit it immediately. The reimbursement usually hits my bank account within 3-5 business days. Plus, if you're organized enough, you can actually leave that money in your HSA to grow tax-free and reimburse yourself years later. There's no time limit on when you have to reimburse yourself as long as the HSA was established when you incurred the medical expense!
Luca Romano
ā¢Wait so you can just leave the money in there and let it grow even after you've already paid for the medical expenses? Wouldn't the IRS get suspicious if you suddenly reimburse yourself for expenses from like 5 years ago?
Zara Rashid
ā¢Yes, that's one of the best features of HSAs! There's no deadline for reimbursing yourself. You could pay for qualified medical expenses out-of-pocket today, keep careful records, and then reimburse yourself from your HSA 10 years from now if you wanted. The IRS doesn't get suspicious as long as you have proper documentation. Just make sure you keep your receipts and records showing the expense was HSA-eligible and occurred after your HSA was established. Some people intentionally do this as a strategy to let their HSA investments grow tax-free for longer. Just remember that you can't claim those same medical expenses as itemized deductions if you plan to reimburse yourself with HSA funds later.
Nia Jackson
PSA for anyone using HSAs: The IRS has a complete list of what counts as HSA eligible expenses in Publication 502. Things many people don't realize qualify: chiropractor visits, acupuncture, prescription sunglasses, pregnancy tests, smoking cessation programs, and even mileage driving to medical appointments!
StarStrider
ā¢Thanks for mentioning that! I had no idea mileage to medical appointments could count as an HSA eligible expense. Do you know if I need any special documentation for claiming mileage? And what about parking fees at medical facilities?
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Yara Nassar
Something else to consider - the W-4 form changed significantly a couple years ago. It no longer uses allowances (0, 1, 2, etc). Instead, there's a multiple jobs worksheet or you can use their online calculator. If you're still thinking in terms of "claiming 0" you might be using outdated forms or concepts. The new W-4 has a specific section for multiple jobs that helps account for exactly your situation. Check if your employers are using the current form and if you've filled it out correctly for your multiple income streams.
That's really helpful - I didn't realize the W-4 had changed that much! I haven't actually updated my W-4 in about 3 years, so that could definitely be part of the problem. Is there a specific line or section on the new form I should pay attention to for my situation?
Yara Nassar
ā¢The most important part for your situation is Step 2 of the new W-4 form. It gives you three options for handling multiple jobs: (a) using their online calculator for most accuracy, (b) using the Multiple Jobs Worksheet on page 3 of the form, or (c) a simplified method if you have only two jobs with similar pay. Since you have three jobs with different pay levels, option (a) using the Tax Withholding Estimator on the IRS website would be your best bet. It's more detailed than the worksheet and will account for your specific situation. The calculator will tell you exactly what to put on line 4(c) of your W-4 for additional withholding. Just make sure you have recent pay stubs from all three jobs when you use it.
Has anyone mentioned the "two-earner/multiple job" worksheet yet? When I worked 3 part-time jobs during grad school, my tax person showed me this worksheet on the W-4. It helped a ton with calculating the right withholding. Not sure if it still exists with the new W-4 format tho.
Paolo Ricci
ā¢The multiple jobs worksheet still exists but it's been revised. It's now part of Step 2 on the new W-4 form. It's actually more comprehensive than the old version but a bit more complicated to fill out. I found the online withholding calculator easier to use than the paper worksheet since it does all the calculations for you.
Hunter Brighton
16 Former non-profit financial director here. One thing to keep in mind is that executive compensation at non-profits is supposed to be determined through a formal process called a "rebuttable presumption of reasonableness" which requires: 1) Review and approval by independent board members 2) Use of comparable salary data from similar organizations 3) Documentation of the decision-making process The board should be able to provide some explanation of how they arrived at the compensation figures. You have every right as an employee to question this, especially if the organization is claiming financial hardship when it comes to staff benefits. Look specifically at Parts VII and IX of the 990 form, which detail compensation and functional expenses. This might give you more insight into where money is being allocated.
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Hunter Brighton
ā¢8 Is there any way employees can challenge this if we think the process wasn't followed properly? I'm worried about retaliation if I bring this up internally.
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Hunter Brighton
ā¢16 You do have options. The safest approach is to file a confidential complaint with the IRS using Form 13909 (Tax-Exempt Organization Complaint Form). This allows you to report suspected excess compensation without identifying yourself. Another option is to contact your state's charity regulator or attorney general's office, as they often have oversight of non-profits as well. Many states allow anonymous reporting of concerns. If you're worried about workplace culture issues beyond just the compensation disparity, you might also consider reaching out to accreditation bodies in healthcare, as they often have standards regarding organizational ethics and governance.
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Hunter Brighton
21 My wife works for a similarly sized non-profit hospital and we went through the shock of seeing the executive compensation last year. One thing to understand is that those huge spikes in certain years might be from vested benefits or one-time payments. For example, if they have a Supplemental Executive Retirement Plan (SERP) that vests after 5 years, the whole amount shows up on the 990 in that year, making it look like they got a massive payday. It's still a lot of money, but spread over the vesting period, it might be somewhat less shocking. Check if your organization posts their audited financial statements too - sometimes they have notes that explain unusual compensation arrangements better than the 990 does.
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Hunter Brighton
ā¢5 That makes sense about the vesting. I'll definitely look into the financial statements to see if there's more detail. Do you know if there's a specific part of those statements I should focus on?
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