Thanks for this info! I'll definitely try emailing them. Do you remember roughly how long it took for them to respond to your email? I'm trying to get my taxes done in the next couple weeks.

They got back to me in about 3 business days, but this was in early February last year. It might take longer now since we're in peak tax season. I'd recommend sending the email request ASAP and being very specific in your subject line (something like "Request for 2024 1099-INT Form"). When they did respond, the actual document access was pretty quick - they sent a secure link that was valid for 48 hours where I could download the form.

I noticed that too! I think it's because they calculate based on the daily balance at a specific time of day, so if you move money in or out frequently, their calculations can seem weird. I started taking screenshots of my daily interest deposits just to be safe.

That makes sense about the timing! Thanks for explaining. I've been moving money between pods pretty regularly which probably causes the discrepancies. Screenshot idea is smart - gonna start doing that too.

Do you need to maintain the physical receipts for tax purposes or are the digital scans enough if you get audited? I'm trying to go completely paperless but worried about IRS requirements.

The IRS actually accepts digital receipts as long as they're legible and contain all the required information (date, amount, vendor, etc.). The key requirement is that digital records must be as accurate as paper ones and accessible throughout the period of limitations for assessment. For most situations, scanned receipts are perfectly fine for audit purposes. I still keep physical receipts for major purchases or anything unusual that might raise audit flags, but for day-to-day business expenses, my digital system has been sufficient. I had a small business tax review a couple years ago and my digital documentation was completely accepted without issues.

I tried the NeatReceipts scanner last year and honestly it was pretty disappointing. The software was clunky and it misread a lot of receipts. I had better luck with a regular document scanner app on my phone plus a simple spreadsheet to track categories. Way cheaper too!

The whole system seems designed to confuse us. I've been holding some coins for years - do I seriously need to go back and figure out what I paid for them if I sell now?

Not a dumb question at all! Trading one crypto for another (like BTC for ETH) is absolutely a taxable event, even if you never converted to USD. The IRS treats it as if you sold the BTC for USD at market value, and then used that USD to buy the ETH. You have to calculate and report the gain/loss on that BTC based on what you originally paid for it versus its value at the time you traded it. This is one of the most overlooked aspects of crypto taxes that catches people by surprise!

So does the Child Tax Credit mean you get $2,000 back regardless of what you owe? Like if I owed $500 in taxes would I still get $1,500 back? I'm confused about how credits work vs. deductions.

The Child Tax Credit reduces your tax liability dollar-for-dollar, up to $2,000 per qualifying child. It's different from a deduction, which only reduces your taxable income. For example, if you would owe $3,000 in taxes without the credit, the Child Tax Credit would reduce that to $1,000. If you would only owe $1,500 in taxes, the credit would reduce your liability to zero, and you'd potentially get some of the remaining credit as a refund (up to $1,400 per child is refundable). The refundable portion means you can receive it even if you don't owe any tax.

Yeah but some payroll systems and local forms still use allowances terminology. My company's internal system still asks for "allowances" even though they translate it to the new system behind the scenes. Super confusing for everyone.

Good point! I didn't consider that some employers might still be using the old terminology internally. That makes the situation much more confusing for employees trying to figure out their withholding. Seems like a lot of companies have outdated systems that don't match current tax forms.

That calendar visual idea is brilliant! Did you just use like a regular wall calendar and highlight days, or did you make something digital? I'm not very tech-savvy but could probably figure out a basic spreadsheet if that would look more professional.

I actually did both! I created a digital calendar in Excel where I color-coded days (green for days with me, yellow for days with their mom), and then printed it out. I also made a simple count at the bottom showing the total days for each month and the running total for the year. The judge really appreciated having that visual. Even a hand-colored paper calendar would work fine - the key is making it easy for the judge to see at a glance that you met the six-month requirement. Just make sure you can back up each colored day with some form of evidence. I organized my evidence by month in a binder, so when the judge questioned a particular period, I could immediately turn to that section and show the supporting documentation.

This is all good advice but keep in mind the IRS isn't just looking for evidence you SUPPORTED the kids financially - they specifically need proof the kids LIVED with you for more than half the year. I've seen people bring tons of payment receipts but still lose because they couldn't prove physical residency.