it happened after i tried to transfer money to fedility but failed . Since there I can’t log in again.

There is no way to know the amount of refund without knowing what setting you have on your w4. We don't know if you new w4 form married 0, single 0, old form married 0, new form single 0. Those are all different.

If you and her are both at single, 0 adjustments on the new w4 you should get a refund of about 6000. If you are at married 0 though, then the refund will be less, how much less depends on your total income.

That’s not at all what they asked in any sense..

Ok see, that sounds like such a beautiful & easy process. Apparently in MI they just forget to send you your title & you still have to go to the hell that is SOS to get it taken care of. Lol

I don't see the lawsuit going anywhere. The drug company will say it was the mental illness causing the irrational spending as opposed to the medication. Is it worth the time and effort to go back and see where the money went? If it's gone, it's gone. Why not just start now and figure out your debts, expenses, and income, and go from there? If the debt is insurmountable, bankruptcy is an option.

(I speak from experience with this. I'm bipolar and it's really common for people in the hypomanic or manic state to spend too much.)

Sorry, I should have included in my OP, but I have tried and didn't like YNAB.

I will absolutely code/categorize the transactions on my own, but I want them brought in but not included on my future cashflow projection by transaction. I want the "out" in my cashflow projection to be the estimated or actual credit card invoice amount (I can calculate/enter my own estimate) and not the daily transactions.

I may just have to make my own spreadsheets, but was hoping there was already something out there with this.

I haven't changed my w4 and have always claimed 0. We have 3 under 17. So 6k would likely be good. Just wondering how to achieve this with her W4.

In MA, about 3 weeks after the final note, the title lien is released, and the state of MA sends you a new title in the main with only your name on it.

Just single, 0 everywhere else on her.

How many children under 17 do you have? If you both fill out your w4 as Single, no adjustments your refund will be about 2k per child over 17. Is that a big enough refund for you, or do you want to add more?

To re-explain what the other response means for "time value of money"...

The extra tax would all be at once, right now, while the interest is paid over time. That means the interest you pay in year 7 costs you less in 2023 dollars thanks to inflation.

Meanwhile, presumably your remaining 401k balance continues to generate returns even as you draw it down. So, the 6/7ths of your mortgage balance you don't withdraw this year and instead let grow for a year, the 5/7ths the following year, etc., will go up in value each year, even if you just put it in an ultra-low- or no-risk investment product during that time.

These time effects on money converge, meaning the value of the money you have goes up over time, while the value of the money you owe goes down over time. Put them together, still ignoring any potential impact from bumping up your incremental tax rate, and the cost of 7 years of interest payments could be much less than simply calculating the interest due via spreadsheet.

Then throw in the potential for extra taxes if you liquidate the 401k all at once, and you might tip the scales over in favor of getting a mortgage.

Very good idea.

if you've been attempting to get access to your account since November and have been unsuccessful then they likely believe you're violating some kind of law or that your account has been compromised.

So, on her W4, still put "0"?
Does it matter If we have dependents for 4C?

I don't believe that is correct. At least, I'm pretty sure it wouldn't keep them from paying in Texas. In Texas, you must have car insurance to get your license. (Or fill out paperwork stating you don't own a car.)

So it's very common for them to sell insurance to people who don't have a license. You can't tell people "you must have an insurance to get a license" and at the same time tell them "You must have a license before you can get insurance."

You should both withhold at the single rate (yes both of you). Then, take the amount of refund you would like, divide it by the number of times one of you is paid, and put that amount of extra withholding on 4c for that one w4.

I thought so, thank ya!

DMV = department of motor vehicles in my state (Oregon). Not sure what SOS is. That said, you can call your local office and they will tell Jo if a transfer is necessary as well as what the costs may be.

Yes, in MI it’s the SOS.

Gotcha, was worried I royally fucked up but it seems like its not too big of a deal that I didnt get them removed yet. Thank you for the info!

Checkout YNAB - something to know about all "budgeting" software, nothing is going to do everything automatically for you. There's a lot of value in checking YNAB every day and being on top of your spending and catagories

I think that’s probably what happened to me as well. All I got was a congrats letter lol.

Oh geez ok, didnt know that. I googled it & it said that MI is a non title holding state so I just assumed all was good. Is the DMV basically like the SOS?

At the moment, I am just seeking guidance on how to determine the impact of this situation. I have stopped the "something," which I edited into the original post (an antipsychotic that was causing adverse side effects), but I need to understand the damage first before I can begin to tackle it. My mind has been scattered the past couple of days, and I just need to make sense of things.

Optima is a tax relief firm. They’ll navigate the IRS processes for you and help negotiate the final payment (lower amounts, set up a payment plan, file as “not collectible,” etc.). Those are all things you can do on your own, but only if you dig through the options and figure it out, which may be difficult. For their service, Optima will charge your dad a few thousand dollars. The idea is that their fee is less than what they negotiate on your behalf (so a net win for you). Whether or not you could have gotten the same result on your own without spending the money on Optima is hard to say.

Maybe call the IRS and see what the options are, then ask Optima where they see this heading and see which option is better for you.

Optima is a reputable company. But you still have to pay if you use their services, and it sounds like there’s not much extra cash for you dad.

https://www.nerdwallet.com/article/taxes/optima-tax-relief-review

Keep that letter with the vehicle's title. Depending on how your state handles vehicle titles, your title probably shows a lienholder. That letter is proof that the lien was satisfied. My state has a two-part title system; after paying off the loan, the lender gives the lien-holder portion of the title to the vehicle owner. If the vehicle owner later sells a car that had been financed earlier, both portions of the title are required to complete the transaction.