If you lived off of your savings, did you receive any interest on your savings? Even if you didn't get a check for the savings, if it was added to your bank account, it would be considered income and taxable.
You are correct. If you have NO other income, then you are just barely under the filing requirements and do not need to file a federal return. However, if you have any interest on your savings that bring you over the filing requirements, even if you didn't get a 1099-INT, you would need to file a return.
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