Mint Mobile costs me $15/month if I pay for a year at once.

Exactly $8, two month, you could have collected cans and sell them and make the money. Banks don't make any money from people who have negative balances and they want to prevent further loss with possible overdrafts of you use to try the card.

Stop using Wells Fargo. Take this as a win.

WF is little more than a criminal enterprise masquerading as a Bank

Your social life does not matter if you have no money.

Stop paying $550 towards your car, drop it down to $476. Stop eating out, stop doing non-essential shopping (Essential being groceries).

Pittsburgh public transit isn't awesome but it's not nonexistent either. Everyone keeps pointing to Uber, but sell the car and use transit and walking as your top modes of transportation. Use cabs or rideshare when you have no other option, or buy a cheap used bike to augment your options if you feel safe riding it.

You can definitely still get around and save a ton of money doing it. It just requires making the decision to do so.

Irs gave you a free loan. That’s excellent.

I’m curious, as well.

Then I just want to know where they are getting service for $15, because I am paying $40 and my provider is Wal Mart.

Then you might as well harvest as much of your losses as you can and get a refund, yeah?

For a very long time the state of Mississippi used SSN's as drivers license numbers. As a consequence when I was at Mississippi State University I had to give that number to at least 100 people over the years. It has not been an issue in, well longer than I wish to admit. But decades.

It's fine to give it out to one person when you know who that person is.

I should hope that a 5-year-old phone has long since been paid off. Otherwise they’ve spent $900 on a phone that wasn’t that expensive 5 years ago.

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Saw elsewhere that you were worried about having the cash to pay it off. Would strongly look into setting up a payment plan with the IRS.

https://www.irs.gov/payments/payment-plans-installment-agreements

Then sure, go ahead and tax loss harvest those. Can claim up to $3000 in losses.

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You can… but it also seems very possible to come up with $500 between now and April.

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Oh sure. Agree there.

You can live without the car. You're in a major city. A walkable city. With great uber and lyft options. And pub transpo is awrsome, you just seem adverse to it? Not sure why.

Also, you're spending 200 a month eating out. 200 for shopping (no way essentials cost 200 a month!). So there's 400 right there you can save in addition to the 800 for an unnecessary car...

So what's holding you back besides yourself?

Don’t chase dividends. They’re not free money and are very tax inefficient if you’re not in a retirement account.

Oh yea, I agree, being broke (negative money) isn't gonna work anywhere... even under the mattress. Sorry I wasn't clear that this is absolutely the OPs fault and would happen anywhere they banked.

I think this was more a rant against wells fargo... pay 'em what you owe them, close the account in good standing.

Then pick a new, "better" banking option, online/brokerage/CU/big bank

Yes if you sell off some stocks that are worth less than when you bought them you can deduct of to 3k of losses off your ordinary income so that would probably make it to where you didn't owe anything

You'll have to adjust your withholding amounts. Since you had 3 different jobs, it sounds like it wasn't withholding correctly since each job assumed you didn't make any other income for the year. If you switch jobs during the year, you have to correctly indicate on your W-4 so that the new employer knows how much to withhold.

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All the banks and CUs are subject to the same guidance which says accounts should be charged off when they’re uncollectible or 60 days, whichever is first, so this would have happened everywhere