Has anyone used TurboTax for filing with two jobs? Does it handle this situation well? I'm worried about trying to figure all this out next April.

I went through this exact situation last year and can confirm it's totally manageable! The key thing to understand is that having two jobs doesn't change how much tax you actually owe - it just affects how much gets withheld from your paychecks. Here's what worked for me: I used the IRS Tax Withholding Estimator (it's free on their website) after getting my first few paystubs from both jobs. It showed me I needed to have an extra $150 per month withheld to avoid owing at tax time. I just updated my W-4 at my higher-paying job to withhold the extra amount. The medical bills situation you mentioned is actually another reason this could work in your favor - medical expenses over 7.5% of your adjusted gross income are deductible, so higher income might help you qualify for that deduction if your bills are substantial. Don't let tax concerns stop you from earning extra income to tackle those bills! Just plan ahead with your withholding and you'll be fine.

This is incredibly frustrating but unfortunately very common right now! I went through the exact same thing last month - filed my taxes on time, got my acceptance confirmation, then hit this "non-filer" wall when trying to access my transcript for a credit application. What finally worked for me was a two-pronged approach: I submitted a transcript request by mail (which took about 9 days to arrive) AND kept an eye on the "Where's My Refund" tool to track my return's processing status. Interestingly, once "Where's My Refund" showed my return as fully processed, the online transcript system updated within 48 hours. The mail request is definitely your best bet for getting it quickly - just go to IRS.gov, select "Get Transcript by Mail," and request your 2023 Return Transcript. It uses a different system that seems more reliable than the online portal during these processing delays. Also, for your mortgage refinance, definitely reach out to your loan officer now and explain the situation. Most are familiar with this IRS glitch and can often work with previous year transcripts or other documentation temporarily. Better to be proactive than have it hold up your closing! Hang in there - it's definitely just their systems being slow, not anything wrong with your filing!

I'm experiencing this exact same frustrating issue right now! Filed my 2023 return about 3 weeks ago, got the acceptance confirmation from my tax software, but when I try to access my transcript online I keep getting that "non-filer" message. It's so stressful when you know you've filed correctly but the system is telling you otherwise. Reading through everyone's experiences here has been incredibly reassuring - it's clear this is just a widespread processing delay with the IRS systems not syncing properly. The fact that even tax preparers are experiencing this tells you it's definitely a system issue, not something we're doing wrong. I'm going to try the mail request option that multiple people have recommended. It sounds like that system is more reliable than the online portal during these processing delays. For anyone else dealing with this for time-sensitive applications (mortgages, loans, etc.), the advice about being proactive with your lender and asking if previous year transcripts can work temporarily seems really smart. Thanks to everyone who shared their timelines and workarounds - it's such a relief to know this typically resolves itself within a few weeks and there are reliable alternatives while we wait for their systems to catch up!

This thread has been an absolute goldmine of information! As someone who just started my own consulting business with plans to expand from Japan to the US, I was completely overwhelmed by the SS-4 electronic signature question until I found this discussion. Reading through everyone's detailed experiences has given me such confidence that this process is actually much more straightforward than the confusing official IRS documentation makes it seem. The fact that so many people from different countries have successfully used electronic signatures (whether through the phone method or fax approach) shows the IRS has really adapted to international business realities. I'm particularly impressed by how this community has essentially crowdsourced the most comprehensive SS-4 guide I've seen anywhere. The specific timing recommendations for the international phone line, the exact fax number that works, the wording suggestions for cover letters - these are the practical details that make all the difference but are impossible to find in official sources. Based on all the success stories here, I'm planning to try the international phone line (+1-267-941-1099) first thing Tuesday morning around 8:30 AM EST, following Reina's recent successful approach. If that doesn't work, I'll have my electronically signed SS-4 ready to fax using the method that's worked so consistently for everyone else. Thank you to @480c2ca235f2 for starting this crucial discussion and to everyone who shared their real experiences. This is exactly the kind of community support that makes navigating complex government processes manageable for international entrepreneurs!

As a newcomer to this community, I'm absolutely amazed by the depth and quality of real-world experiences shared in this thread! This has essentially become the most comprehensive guide to SS-4 electronic signatures for international businesses that I've ever seen. What gives me tremendous confidence is the remarkable consistency of successful outcomes across so many different countries and business types. It's clear that while the IRS website may not explicitly state it, they are absolutely accepting electronic signatures for SS-4 forms when properly documented and submitted through the right channels. The two-track approach that's emerged from everyone's experiences seems bulletproof: **Option 1 (Fastest):** International phone line +1-267-941-1099, Tuesday-Thursday 8-10 AM EST **Option 2 (Most reliable):** Electronic signature via DocuSign/HelloSign, fax to 855-641-6935 with professional cover letter The 4-6 business day processing times reported by multiple members for both methods are incredibly encouraging for anyone working with tight deadlines like banking relationships. I'm particularly grateful for the specific details everyone shared - from the exact wording for cover letters to the optimal calling times to the documentation requirements. These practical insights are impossible to find in official sources but make all the difference in successfully navigating government processes. For anyone else reading this thread in the future: the collective wisdom here shows that international SS-4 applications with electronic signatures are not just possible, but consistently successful when done correctly. The IRS has clearly adapted to international business realities, even if their official documentation hasn't fully caught up yet. Thank you to everyone who contributed their experiences - this is community knowledge sharing at its absolute best!

The IRS is actually moving pretty fast this year ngl. My return went from accessed to approved in 5 days

I've been through this a few times and "accessed" is actually a good sign! It means your return made it through the initial automated screening and now a human or more advanced system is reviewing it. The timeline can vary - I've had some process in under a week and others take the full 21 days. If you claimed EITC or ACTC, it might take a bit longer due to PATH Act requirements. Just keep checking your transcript every few days for updates!

I'm confused about something. If I have a similar situation but I've been over-contributing for 3 years in a row (not by much, maybe $100-200 each year), do I need to file Form 5329 for each year separately? And do I owe penalties for all 3 years?

Based on all the great advice here, it sounds like you have a clear path forward! Just to summarize for anyone else in a similar situation: 1. File a standalone Form 5329 for 2021 (no need for 1040X) 2. Pay the 6% penalty on your $230 excess (about $13.80) 3. Since your 2022 contributions were under the limit, the excess is "absorbed" - no ongoing penalties I went through something similar last year and was amazed at how much simpler it was than I thought. The IRS actually makes it pretty straightforward to handle these situations when you catch them, even if it's after the fact. One tip: when you mail in your Form 5329, consider sending it certified mail so you have proof of delivery. The IRS can take a while to process these standalone forms, and having that receipt gives you peace of mind that it was received. Good luck getting this resolved! It's really not as scary as it seems at first.