Your money stories topics https://ttlc.intuit.com/community/your-money-stories/discussion/02/217 Your money stories topics Mon, 26 Oct 2020 10:43:55 GMT 217 2020-10-26T10:43:55Z 401(K) Withdrawal https://ttlc.intuit.com/community/your-money-stories/discussion/401-k-withdrawal/01/1724034#M294 <P>After 21 years of working for the same company, I quit in late Feb. of this yr. (2020).&nbsp; And then COVID hit.&nbsp; Due to COVID wrecking the economy, I have been unable to find work for approx. 8 months.&nbsp; I am 40-years-old and unable to receive Unemployment Compensation Benefits.&nbsp; My question is this - Am I able to withdrawal money from my 401(K) account WITHOUT incurring a 10% penalty?&nbsp; I have read mixed answers.&nbsp; Many thanks!</P> Thu, 24 Sep 2020 01:52:55 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/401-k-withdrawal/01/1724034#M294 1QuickQuestion 2020-09-24T01:52:55Z Co signed loan https://ttlc.intuit.com/community/your-money-stories/discussion/co-signed-loan/01/1712686#M291 <P>I hope signed a car loan for my daughter and she hasn't been able to make regular payments and neither can I. Now my credit score has gone down. How do I fix this?</P> Tue, 25 Aug 2020 16:32:19 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/co-signed-loan/01/1712686#M291 Kboo 2020-08-25T16:32:19Z My refund Priscilla https://ttlc.intuit.com/community/your-money-stories/discussion/my-refund-priscilla/01/1704380#M285 <P>I need to know why I haven’t receive my refund this is the second year I don’t get it. I send it the information that was needed received a letter from Irs stating thank you we have receive the documents and just wait this is the second year of filing that I haven’t receive my refund. What’s is the problem. Please let me know what’s going on. Thank you&nbsp;</P> Wed, 05 Aug 2020 17:24:17 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/my-refund-priscilla/01/1704380#M285 Priscilla 1128 2020-08-05T17:24:17Z Paying State Tax (I Owe) https://ttlc.intuit.com/community/your-money-stories/discussion/paying-state-tax-i-owe/01/1689057#M279 <P>How do I pay the $46.00 I owe on my State tax return&nbsp; (AZ 140)?</P><P>I already submitted my tax return.</P> Wed, 15 Jul 2020 20:43:19 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/paying-state-tax-i-owe/01/1689057#M279 4803531310 2020-07-15T20:43:19Z Live person on the phone https://ttlc.intuit.com/community/your-money-stories/discussion/live-person-on-the-phone/01/1660860#M275 <P>WHY CANT I GET A LIVE PERSON TO ANSWER THE PHONE??? I'M TIRED OF THAT STUPID COMPUTER TELLING ME WHAT I DONT NEED TO KNOW!!! I NEED A LIVE PERSON TO FIX THIS **bleep**!!! I FILED MY TAXES IN MARCH AND STILL DONT HAVE THEM AND NOW I HAVE A DIFFERENT BANK ACCOUNT.. THE OLD ONE IS NOW CLOSED THANKS TO ALL THE BULL. SO HOW DO I CHANGE IT NOW?&nbsp;</P> Tue, 07 Jul 2020 03:30:25 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/live-person-on-the-phone/01/1660860#M275 Wesnash 2020-07-07T03:30:25Z Accidentally filed as a non filers when I already filed my 2019 Tax return in February https://ttlc.intuit.com/community/your-money-stories/discussion/accidentally-filed-as-a-non-filers-when-i-already-filed-my-2019-tax-return-in-february/01/1598236#M256 <P class="p1"><SPAN class="s1">I accidentally filed as a non/filers in order to receive my stimulus. I had already filed my 2019 taxes back in February and received my return. It’s my very first time time filing my own taxes. So I didn’t realize that I was not supposed to file as a Non/filer. I was emailed back an error message that said they could not accept my application with error code. (R0000-902-01). So I didn’t take any further steps. I religiously check the Get My Payment on the IRS but it’s still saying my status is unavailable. So At this point I’m really desperate in know it’s I completely ruined my changes of getting a stimulus payment ? I would really appreciate any help or insight please. I’m begging. </SPAN></P> Wed, 20 May 2020 04:34:08 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/accidentally-filed-as-a-non-filers-when-i-already-filed-my-2019-tax-return-in-february/01/1598236#M256 Allison9810 2020-05-20T04:34:08Z Completely destroyed my life! https://ttlc.intuit.com/community/your-money-stories/discussion/completely-destroyed-my-life/01/1568010#M249 <P>I have been calling the help line since 7am, it is now 2pm. No answer. Not once. The line randomly repeats a message after a certain amount of time and cuts the call without fail. I am on the verge of starving to death, and I can't get so much as a 'hello'. I don't need help with the stimulus, they already emailed me 4 days ago and said they had it and when it would be available...yep, they already have it at green dot just won't release it:)! but even more URGENT is the fact that this morning I added all the money I had in the world from a different bank ccount because that card was broken and I couldnt wait 10 days for a new one, and the turbotax app said it would take minutes!!!!hahaha now it says 3-5 days and cant talk to a single human being. guess im stupid for believing anything these people say. 1/100_will never use again. These people are using our money for short term inv. and coll. and making us wait and starve.</P> Tue, 05 May 2020 18:08:23 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/completely-destroyed-my-life/01/1568010#M249 Timothy422 2020-05-05T18:08:23Z DD DAY FOR STIMULUS CAME AND GONE? https://ttlc.intuit.com/community/your-money-stories/discussion/dd-day-for-stimulus-came-and-gone/01/1551590#M241 <P>Get my payment says DD was given 04/29/20 says it’s been directed onto my turbo account all info is correct but there has not been a credit to my turbo card and there’s no pending transaction? Where’s my money turbo card?</P> Wed, 29 Apr 2020 22:06:53 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/dd-day-for-stimulus-came-and-gone/01/1551590#M241 Tiffjakes9721 2020-04-29T22:06:53Z Late Federal Refund https://ttlc.intuit.com/community/your-money-stories/discussion/late-federal-refund/01/1547882#M235 <P>Over 6 weeks since my return was accepted but no refund. IRS website states it is still being processed. Never had an issue in the past and 2019 return has the same components as previous years. Any suggestions how to contact the IRS. Their phones have the message that no warm bodies will answer. Don't know where to write since I efiled.</P> Tue, 28 Apr 2020 20:13:17 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/late-federal-refund/01/1547882#M235 GeoffS 2020-04-28T20:13:17Z Stimulus issues https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-issues/01/1545226#M226 <P>I recieved my stimulus pay for myself but I have 4 children and they didn't not receive anything at all,and all my info was inputted on the system by TT adding my dependents. I've tried looking for info on why this happened to me. I believe it happened to alot of people as well. What should I do?</P> Tue, 28 Apr 2020 00:38:38 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-issues/01/1545226#M226 jeryluv 2020-04-28T00:38:38Z Stimulus check is wrong amount https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-check-is-wrong-amount/01/1518347#M217 <P>I filed taxes as head of household last two years and I did not receive the $500 credit per child. Why is that and do you know how I can collect that?</P><P>&nbsp;</P> Tue, 21 Apr 2020 13:54:54 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-check-is-wrong-amount/01/1518347#M217 LeeLee333 2020-04-21T13:54:54Z Late fed return https://ttlc.intuit.com/community/your-money-stories/discussion/late-fed-return/01/1513202#M215 <P>It's been 42 days since I Efiled. Wheres my federal reurn?</P> Mon, 20 Apr 2020 05:38:04 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/late-fed-return/01/1513202#M215 Gemme1989 2020-04-20T05:38:04Z Stimulus payment delay https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-payment-delay/01/1506869#M213 <P>Can you provide an update on when I can expect my payment to post into my account? The IRS website reports my payment was deposited into my turbo tax direct deposit account. (As seen in the attachment). However, my account balance continues to remain 0.00. Im growing increasingly frustrated. I haven't been able to speak to a live person for information with your company. Please update me and provide info on a way I can speak with a live representative to get info.&nbsp;<span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="Screenshot_[phone number removed]01.png" style="width: 720px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/8781iD23595ED4E00B6F0/image-size/large?v=1.0&amp;px=999" role="button" title="Screenshot_20200415-143201.png" alt="Screenshot_20200415-143201.png" /></span></P><P>&nbsp;</P> Sat, 18 Apr 2020 15:11:22 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-payment-delay/01/1506869#M213 mtearth 2020-04-18T15:11:22Z Stimulus direct deposit not showing on Turbo Debit Card https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-direct-deposit-not-showing-on-turbo-debit-card/01/1485214#M186 <P>I did my taxes and set it up to receive my refund on my turbo debit card, and I didn’t get an advance or have a negative balance. I’ve never used it, it’s been sitting for months waiting for my under review taxes. Well I used the IRS portal today and it says it sent today to that card but it’s not displaying it at all and I can’t call Green Dot or Turbo Tax to verify they received it which is what the IRS says to do. (Call the bank) Is anyone else having this issue? Concerned they stole my stimulus.&nbsp;</P> Wed, 15 Apr 2020 22:36:10 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-direct-deposit-not-showing-on-turbo-debit-card/01/1485214#M186 DarthRC137 2020-04-15T22:36:10Z CHILD DEPENDENT https://ttlc.intuit.com/community/your-money-stories/discussion/child-dependent/01/1483850#M184 <P>So I claimed my fiancé and her 3 kids and our child we have together&nbsp; on my taxes but I only got stimulus check for our son and myself I know she wont get anything due to being a dependent ..why is that ? I have been claiming them for years now they live with me and I support them 100% by myself. she is a SAHM so she doesn't do taxes.</P> Wed, 15 Apr 2020 21:07:47 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/child-dependent/01/1483850#M184 supers4 2020-04-15T21:07:47Z Irs stimulus check https://ttlc.intuit.com/community/your-money-stories/discussion/irs-stimulus-check/01/1478704#M178 <P>I receive my stimulus check today and it's not that I'm not greatful but I only got $48 from it it. Everyone I ask and talk to get 1200 except me so I'm a bit confuse.</P> Wed, 15 Apr 2020 16:48:31 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/irs-stimulus-check/01/1478704#M178 Daichi27 2020-04-15T16:48:31Z Stimulus money will it come on my turbo card https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-money-will-it-come-on-my-turbo-card/01/1473252#M174 Wed, 15 Apr 2020 08:36:28 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-money-will-it-come-on-my-turbo-card/01/1473252#M174 Eli52016 2020-04-15T08:36:28Z Will a new debit card effect my stimulus https://ttlc.intuit.com/community/your-money-stories/discussion/will-a-new-debit-card-effect-my-stimulus/01/1472947#M173 <P>I had to get new debit card due to someone stealing money from another state from me will this effect my stimulus Money from going on to my new card?&nbsp;</P> Wed, 15 Apr 2020 07:04:00 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/will-a-new-debit-card-effect-my-stimulus/01/1472947#M173 Biancalovesg 2020-04-15T07:04:00Z IRS Stimulus Check Direct Deposit https://ttlc.intuit.com/community/your-money-stories/discussion/irs-stimulus-check-direct-deposit/01/1418884#M163 <P>I chose to have my Turbo Tax fees taken from my&nbsp;return instead of paying upfront. When using this option the return is deposited into a Santa Barbara Bank account first and then transferred to my Turbo Card. Since the IRS has the direct deposit information for Santa Barbara and not my Turbo Card, what will happen when the IRS/Treasury sends my Stimulus Check?</P><P>&nbsp;</P> Tue, 07 Apr 2020 09:02:32 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/irs-stimulus-check-direct-deposit/01/1418884#M163 Djhowell1984 2020-04-07T09:02:32Z Thanks. I have benefited https://ttlc.intuit.com/community/your-money-stories/discussion/thanks-i-have-benefited/01/1366043#M158 <P>&nbsp; &nbsp; &nbsp; My son needed some help doing his taxes. His 18's were in a limbo. He got that squared away and I had his 2019 done in minutes. I have had a lousy 2018 and will hopefully break even this year. I'll come calling. For that I'll be subscribing to a helpful walkthrough that I noticed while my son and I did his. So thanks for this service. I'll endorse you whenever I'm asked.&nbsp;</P> Fri, 27 Mar 2020 05:18:54 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/thanks-i-have-benefited/01/1366043#M158 90157 2020-03-27T05:18:54Z Advice for International students https://ttlc.intuit.com/community/your-money-stories/discussion/advice-for-international-students/01/1353623#M157 <P>I am currently an international student (I am one of those lifelong/career students). I work and pay taxes, I have no debts and I've made sure to stay clear of credit card debts, not even ones from departmental stores. I want to save and invest, and potentially buy a house in America but I'm worried that I might have to return to my country of origin and then all my savings/investments and dreams of owning a home in America would be useless especially because I may never become a citizen, and I live on a student's income. I know for a fact (knock on wood) that I will be in the country for another 5-10 years getting those darn STEM degrees. But I still want some sort of stability and investment just in case I do become a citizen or don't have to leave for another 20-30 years. How do I proceed?</P> Tue, 24 Mar 2020 05:18:39 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/advice-for-international-students/01/1353623#M157 prissybiscuit 2020-03-24T05:18:39Z SSA federal tax withholding https://ttlc.intuit.com/community/your-money-stories/discussion/ssa-federal-tax-withholding/01/1322718#M151 <P>The SSA office made an error on my withholding. No withholding was taken out. I made no changes on this from previous years. Due to this SSA error my tax return shows a penalty is due. How can I get this penalty waved?</P><P>[email address removed]</P> Mon, 16 Mar 2020 13:44:13 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/ssa-federal-tax-withholding/01/1322718#M151 djnicholsonsr 2020-03-16T13:44:13Z EARNED INCOME CREDIT https://ttlc.intuit.com/community/your-money-stories/discussion/earned-income-credit/01/1255718#M131 <P>I AM TRYING TO GET THE EARNED INCOME CREDIT, IT KEEPS SAYING I MADE TOO MUCH BUT I HAVE BEEN DEPLOYED FOR HAVE OF 2019 AND COMBAT PAY IS NON TAXABLE PAY AND SHOULD NOT AGAINST ME. HOW DO I FIX THIS SO I GET THE CREDIT</P> Mon, 02 Mar 2020 02:04:19 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/earned-income-credit/01/1255718#M131 CYBERSCREW3 2020-03-02T02:04:19Z Temp work from home https://ttlc.intuit.com/community/your-money-stories/discussion/temp-work-from-home/01/1227897#M127 <P>Why did my temporary working from home considered a business?&nbsp;</P><P>&nbsp;</P> Tue, 25 Feb 2020 17:23:21 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/temp-work-from-home/01/1227897#M127 jaks_dls2019 2020-02-25T17:23:21Z One Day From Homeless, Our Story https://ttlc.intuit.com/community/your-money-stories/discussion/one-day-from-homeless-our-story/01/1207073#M123 <P><FONT face="arial black,avant garde"><STRONG>ONE DAY FROM HOMELESS, HOW COULD THIS HAPPEN?</STRONG></FONT></P><P><SPAN>People are in shock when I tell them that my husband and I had been one day from homeless. They respond, NO WAY! They can't believe it. Friends knew us as middle class. We still look, middle class. We behave middle class. There is not anything that gives us away. Since everything fails to confirm our financial situation and living circumstances, I have no choice but to tell them our story, One Day From Homeless.<BR /><span class="lia-inline-image-display-wrapper lia-image-align-center" image-alt="1.png" style="width: 660px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/4981i27FB8A71672369D4/image-size/large?v=1.0&amp;px=999" role="button" title="1.png" alt="1.png" /></span></SPAN></P><P><FONT face="arial black,avant garde"><STRONG>OUR STORY</STRONG></FONT></P><P><SPAN>When my husband and I became a couple in 1994, everything was fine. We had a house on the beach. We each had a car. Both of us had college degrees. I had a small business. He had a job and was completing a Counseling Certificate.</SPAN></P><P>&nbsp;</P><P>We both came from good homes. I was from the south shore of Long Island while he was from the North. We had good upbringings and were community members in good standing. There was nothing to foretell what was to come.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">A MIDDLE-CLASS LIFE</FONT></P><P><SPAN>We lived a comfortable middle-class life. Things all seemed headed in a great direction. The house we owned skyrocketed in value. We sold it at the top of the market right before housing decided to turn south and crash.</SPAN></P><P>&nbsp;</P><P><SPAN>My husband had a job injury that led to a layoff. As a result, he </SPAN>was able to go back to school full time. He studied graphic design and got a terrific job in NYC in 2000. I had<SPAN>&nbsp;</SPAN><A href="https://alisondgilbert.com/entrepreneur/creative-passion-art-design/decorative-painting-by-alison-gilbert/" target="_blank" rel="noopener">a decorative painting business</A>. It was going well. For a while, things were going great.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">GREAT TAKES A TURN FOR THE WORSE</FONT></P><P><SPAN>But then the stock market showed signs of instability. My planner said it was just a bear market that would correct itself. My gut disagreed. But she was the professional, so I held on. At the same time, changes were going on at my husband's job. He had to commute one and a half hours each way to New Jersey during the reconstruction of their Manhattan headquarters.</SPAN></P><P>&nbsp;</P><P>When they returned to NYC, he got a new boss. From day one, they were like 'oil and water.' The working relationship went from bad to worse. As if some quirk of fate had orchestrated it, everything felt like an avalanche gathering downhill speed simultaneously.</P><DIV class="mceNonEditable lia-copypaste-placeholder">&nbsp;</DIV><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="Screen Shot 2020-02-22 at 6.32.21 AM.png" style="width: 666px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/4982i8B07464FD065D25D/image-size/large?v=1.0&amp;px=999" role="button" title="Screen Shot 2020-02-22 at 6.32.21 AM.png" alt="Screen Shot 2020-02-22 at 6.32.21 AM.png" /></span></P><P><FONT face="arial black,avant garde"><BR />THEN CAME 2008</FONT></P><P><SPAN>My husband had just turned 62. So he could collect social security. But he preferred to keep working and wait until age 67. But he got laid off. It was bound to happen. Better than the homicide or heart attack I feared would happen from working with his boss.</SPAN></P><P>&nbsp;</P><P>The mutual funds that were supplying a small income for me were competing in a similar downhill race. And it all crashed at once. That was in 2008. My husband's job was gone, and our funds were dwindling. If it had not been for President Obama's extension of unemployment insurance from 26 to 99 weeks and his decrease in COBRA insurance from $1500/month to $500/month, our demise would have come much sooner.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">THE HANGOVER OF 2009</FONT></P><P><SPAN>As we continued to live on dwindling savings and my husband's pension, I felt more and more despair. I had never felt this way before. I started carrying my toothbrush and dental floss with me everywhere I went. Something didn't feel right. At first, I started having terrible pains in the area of my gall bladder. In attempting to heal that without surgery, I began to have a severe emotional swing, a downward crash.</SPAN></P><P>&nbsp;</P><P>As much as I fought it, I could not stop falling. I fell into a deep, dark hole where there was nothing. There was no hope; no future and time almost came to a standstill.</P><P>I was having a nervous breakdown. With five visits to the emergency room, I ended up in the psychiatric unit of the local hospital from two of the ER visits. That is where I spent much of my summer, in and out of it the unit. Then I was in the aftercare program. I don't know which aspect of that ordeal was the worst part. The only saving grace was that I was in air conditioning all summer.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">VEGETABLE OR HUMAN</FONT></P><P><SPAN>My husband was terrified that the prescribed medicine overload would leave me vegetative for life. But he stuck by me visiting me in the hospital every day, twice each day. He didn't even tell me about the day he got hit by a car when he was riding his bike. He didn't want to upset me. He told me about it years later. Thank God, he was OK.</SPAN></P><P>&nbsp;</P><P>Somehow, I finally got on the right medicine, from seven at one point down to a reasonable, workable two. I found an excellent therapist and started to see a pinhole of daylight out of that black hole.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">SAYING GOODBYE TO OUR MONEY</FONT></P><P><SPAN>But one thing did not stop. That was the drip, drip, drip of our money going down the drain, as we had to support a Middle-Class life of expenses on a Poor Middle-Class income. But we did not identify what it was at the time.</SPAN></P><P>&nbsp;</P><P>My husband continued to seek work to put us back in balance. But in terror, I counted the months our funds would last. By then, we were in 'the system,' Medicare, Medicaid, and food stamps. But what were we going to do about our housing situation?</P><P>&nbsp;</P><P>We had a two-bedroom apartment and no idea what we were going to do or where we were going to go. We thought the answer was to get evicted since that would bide our time or so we thought.</P><DIV class="mceNonEditable lia-copypaste-placeholder">&nbsp;</DIV><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="Screen Shot 2020-02-22 at 6.39.33 AM.png" style="width: 663px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/4983iEF2D1B96FEA8DCAA/image-size/large?v=1.0&amp;px=999" role="button" title="Screen Shot 2020-02-22 at 6.39.33 AM.png" alt="Screen Shot 2020-02-22 at 6.39.33 AM.png" /></span></P><P><FONT face="arial black,avant garde">ALMOST HOMELESS</FONT></P><P><SPAN>Thank God, we did not go that route. It would have been a mark against us for future housing applications. Our landlord was wonderful. He patiently worked with us, accepting what we had left to give him. First, it was our deposit as a month's rent and then one of my husband's best paintings as the final month's rent.</SPAN></P><P>&nbsp;</P><P>By then, we were down to another level in 'the system,' the search for emergency housing. Miraculously, with the help of a friend, we found a senior housing opening. It usually takes years to get in. First, you apply to a waiting list to wait on another list to apply for an apartment.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">LIFE IN A STUDIO APARTMENT</FONT></P><P><SPAN>But the housing that we found in record time, two weeks, was a studio apartment. That was the only drawback. The building was lovely, centrally located, and most importantly, it would provide a roof over our heads in a beautiful building. For several weeks, before we found the studio apartment, we thought we could end up homeless.</SPAN></P><P>&nbsp;</P><P>Then there was a paperwork screw up with the county's bureaucracy at the very last minute. We had gone there for our 'one-shot,' the money for our apartment deposit. We waited over 3 hours for it. But at the very last minute, it was denied to us. We had $8 too much money to our names. We were supposed to be delivering the deposit for the new apartment the next day. I was panicked. That was the closest we have come to becoming homeless. It is something I pray that we would never experience again.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">MIRACLES DO HAPPEN</FONT></P><P><SPAN>At the last minute, the money we needed for our deposit was made available by a charitable organization when they heard our story. After the three unnerving hours we had spent in the county's facility, we drove another hour to the place that saved us with their donation. But I have to admit that the six months starting with the countdown of funds to almost homeless was probably the scariest time in my life. I felt so powerless.</SPAN></P><P>&nbsp;</P><P><FONT face="arial black,avant garde">MOVING FORWARD</FONT></P><P><SPAN>It is hard to believe that we have been living in our building for about four years. We were even able to move into a one-bedroom apartment about a year and a half ago. It feels like a palace after two and a half years in a studio. We see the trees out our window and feel like we can contact the sky.</SPAN></P><P>&nbsp;</P><P>My husband was able to go for advanced training in the counseling field. He has been interning doing that. I have been learning how to adjust to being Poor Middle Class, not as a punishment but as a badge of courage.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">A GIFT</FONT></P><P><SPAN>We believe that the experiences of the last eight years have shown us how to learn how to survive from a place of surrender, gratitude, and humility. It has been and is still quite a journey. What we have learned and continue to learn is a gift.</SPAN></P><P>&nbsp;</P><P>It is a gift that has been given to us to pass on to others. Let us continue to experience this new life as a gift. Let us also continue to pass on joyfully, what we have learned, and continue to learn. Let our experience help others who are now where we once were, almost homeless and part of<SPAN>&nbsp;the former middle-class.</SPAN></P><DIV class="sharedaddy sd-sharing-enabled">&nbsp;</DIV> Sat, 22 Feb 2020 12:27:51 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/one-day-from-homeless-our-story/01/1207073#M123 Alison 2020-02-22T12:27:51Z The Belly Pat Story. An Unlikely Trip to Financial Wellness. https://ttlc.intuit.com/community/your-money-stories/discussion/the-belly-pat-story-an-unlikely-trip-to-financial-wellness/01/853120#M60 <P><SPAN>I imagine most people, especially those who have made radical life changes (or any change for that matter) can remember their tipping point.&nbsp; I have one I’d like to share.</SPAN></P><P>&nbsp;</P><P><SPAN>It happened during a lunch break at work.&nbsp; Myself and a coworker were eating perhaps a bit too much and bit too quick.&nbsp; Still in my early 20’s and a former collegiate athlete these poor eating habits had started to show on my body.&nbsp; But being one of the younger people in the company the habits hadn’t transformed me as much as others in the company.&nbsp; This particular coworker being twice my age was getting bigger and in more pain by the year as you could see and even hear when he moved.&nbsp; We made eye contact that said ‘</SPAN><I><SPAN>yeah that’s not good to eat like that</SPAN></I><SPAN>’ and he stood up, patted his belly, looked at me and said, “You just wait.&nbsp; This will happen to you too.”</SPAN></P><P>&nbsp;</P><P><SPAN>The interaction and those six words hit me like a brick.&nbsp; I looked around. Everyone looked just like him. Tired, out of shape, a bit dissatisfied.&nbsp; I did a lot of thinking the rest of the day and was bothered this person assumed my fate would be so similar to everyone else's.&nbsp; I used him and that interaction as my new motivation. He was my picture of Ivan Drago on the mirror in Rocky IV. I’m pretty type A so this was huge just to get the ball rolling.&nbsp; First I started eating right. And by eating I only mean I went raw vegan for the better part of two years. Then starting a vigorous exercise program that ballooned all the way to an ironman triathlon career.&nbsp;&nbsp;</SPAN></P><P>&nbsp;</P><P><SPAN>But it wasn’t just health.&nbsp; I started questioning everything.&nbsp; Does everyone here, or anyone, feel moved by the work they do?&nbsp; Why are they working into their seventies?&nbsp; Why do they keep telling me social security is going to dry up and I’ll have to work until I’m 80?&nbsp; &nbsp;What if I want to work until I’m 80?</SPAN></P><P>&nbsp;</P><P><SPAN>There began my journey into finances.&nbsp; It was pretty obvious pretty early why most people around me became stuck in jobs.&nbsp; They simply didn't know what to do with the money they made. They bought materialistic possessions out of habit or out of ego.&nbsp; They put 75% of their income into housing, transportation (cars), and food. Also those in unsatisfactory jobs simply needed to blow off steam so they spent money on entertainment, alcohol, and big weekends.&nbsp; They bought the latest tech and anything else that would give a quick hit of dopamine and a welcomed distraction.&nbsp;&nbsp;</SPAN></P><P>&nbsp;</P><P><SPAN>I learned that those who seemed to live a life on their terms had assets and not things.&nbsp; They spoke of the freedom of owning less.&nbsp; To remain lighter and more agile.&nbsp; They bought long term interest producing investments. They drove modest cars or none at all.&nbsp; They used real estate as a tool to build wealth not a statement of self worth.&nbsp; They understood the accounts that would lower their taxable income on paper yet setting them up for long term financial success, like a 401K.&nbsp; They invested in self improvement and growing their skills. Staying ahead of shifts in the workforce as to always be in a position to earn.&nbsp;&nbsp;</SPAN></P><P>&nbsp;</P><P><SPAN>So I did what I could to jump onto that train and jump off my current train.&nbsp; Still loaded with student loan debt I stopped the bleeding in places I could control.&nbsp; Cooking my own meals. Buying a new anything as a last resort.&nbsp; My needs and wants became brilliantly more clear and separated.&nbsp; I went from a 40,000 dollar ‘ego machine’ truck to a 200,000 mile Toyota Prius.&nbsp; Then to a bicycle and a bus pass.&nbsp; I traded the ‘comforts’ of single family home or having my own apartment.&nbsp; I thought buying a duplex made wonderful sense.&nbsp; Live in one half and rent the other to offset mortgage and other costs.&nbsp; I was still young and in debt and did not have a lot of cash or time. I partnered with a like minded friend.&nbsp; Cutting the cost of entry in half.&nbsp; We lived there for years while offsetting living costs.&nbsp; Neither of us live there now and we rented both sides and the house essentially pays us.&nbsp; At one point as a 30 year old I lived with 6 roommates! Sharing a bath with 2 others.&nbsp; This place was within 5 miles of where I worked and very bike-able.&nbsp; I could save my two biggest assets.&nbsp; Time and money.&nbsp;&nbsp;&nbsp;&nbsp;</SPAN></P><P>&nbsp;</P><P><SPAN>These changes became habits.&nbsp; I was able to get to 100% debt free before 30.&nbsp; And the fact that I even had a ‘net worth’ was reason enough to smile.&nbsp; Full disclosure I am giving the highlights here.&nbsp; There were stumbles.&nbsp; Times when biking in the cold rain sucks.&nbsp; Having your roommate walk in on you moving your bowels is frustrating.&nbsp; But it’s not worse than still being at that lunch table at 65 years old.&nbsp; Patting my overgrown belly while warning some kid of his doomed future.</SPAN></P><P><BR /><SPAN>I coach people when I can on how to replicate or preferable to better than what I did.&nbsp; I hope to be a motivation and light that all people can look to when looking to make life changes.&nbsp; So I can instead be working into my golden years by choice.&nbsp; Sitting at a lunch table.&nbsp; Saying to a young person proudly; “You wait, this </SPAN><EM><STRONG>can</STRONG></EM><SPAN> happen to you”&nbsp; </SPAN></P><P>&nbsp;</P><P><SPAN>- Jim</SPAN></P> Tue, 17 Sep 2019 23:03:00 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/the-belly-pat-story-an-unlikely-trip-to-financial-wellness/01/853120#M60 Jim_Sestito 2019-09-17T23:03:00Z What should I do with my refund? https://ttlc.intuit.com/community/your-money-stories/discussion/what-should-i-do-with-my-refund/01/21100#M20 <P>Think I'm getting a refund this year (fingers crossed, breath held, all that jazz) and, in thinking about what I spent my refund on last year, I realized I totally blew it.&nbsp;</P><P>&nbsp;</P><P>How can I actually save (beyond, you know, not spending it) or maybe even grow this possible/hopeful check?&nbsp;</P><P>&nbsp;</P><P>For some context, I wanna buy a house at some point in my life, I should probably get rid of my car loan at some point, and I have some credit card debt.&nbsp;&nbsp;Seriously, what should I do?&nbsp;</P> Fri, 29 Mar 2019 22:55:33 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/what-should-i-do-with-my-refund/01/21100#M20 JBJ 2019-03-29T22:55:33Z Getting Over Bad Money Decisions https://ttlc.intuit.com/community/your-money-stories/discussion/getting-over-bad-money-decisions/01/14630#M17 <P>Last week, on the Turbo blog, we talked about ways to forgive yourself and move on from past financial mistakes. CFSW, Marsha Barnes, shared five key ways to move on and get better with your money:</P><P>&nbsp;</P><P>1. Recognize previous spending behaviors and forgive yourself in the process</P><P>2. Create a tangible plan addressing one issue at a time</P><P>3. Remain dedicated to the process</P><P>4. Remind yourself often of your current goals and where you want to be in the future</P><P>5. Patience is a virtue; stay the course</P><P>&nbsp;</P><P>What do you think of these tips? Anything you would add from your own experience?</P><P>&nbsp;</P><P>Check out the full post here: <A href="https://turbo.intuit.com/blog/relationships/how-to-fall-back-in-love-with-yourself-after-your-financial-mistakes-2121/" target="_blank">https://turbo.intuit.com/blog/relationships/how-to-fall-back-in-love-with-yourself-after-your-financial-mistakes-2121/</A></P> Tue, 19 Feb 2019 23:28:40 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/getting-over-bad-money-decisions/01/14630#M17 jlohani 2019-02-19T23:28:40Z How I got out of debt, and will stay debt free forever https://ttlc.intuit.com/community/your-money-stories/discussion/how-i-got-out-of-debt-and-will-stay-debt-free-forever/01/24525#M15 <DIV><FONT>In my younger years I liked listening to the radio as I proudly drove around town with my buddies checking out the bikini clad babes on the beach. We’d roll down the windows, crank up the tunes and cruise the dunes. Pumping hard rock through the radio speakers at an ear splitting volume got a fair number of those fine beauties in the car with us too!<BR />&nbsp;Upon arriving home in the late afternoon, windows rolled down and the car stereo blaring the latest tunes at an ear splitting volume while dad was tinkering in the garage, he’d always greet my arrival with the same comment:&nbsp; “Turn that shit-kicking music down!” His generation grew up in the Big Band era. People and things change over time. Or do they?<BR />&nbsp;After serving my country overseas for my entire 20 year career, I retired and returned to my hometown to find work and raise my own family. Dear old dad had it right. When my son turned 16 and we upgraded his driver’s license from a learner’s permit, I let him drive the car to school. That afternoon I heard him coming a block away with some Snoop-Dog rappin’ type of gibberish blaring full blast throughout the neighborhood. Without thinking, as he pulled into the driveway I hollered the first thing that came to mind: “TURN THAT RAP CRAP DOWN!”. Oh the memories.<BR />&nbsp;After military life my new job was a 30 mile drive each way. This was just over two decades ago, and I needed something calming on that long drive home. The tunes of my day were hard to find. Country music was depressing with its wife leaving and dog dying themes, and that rap crap stuff is just that. Crap. News talk was (and still is) nothing but bad news which invoked feelings of depression. It makes one contemplate crossing the centerline on the interstate as the oncoming semi approaches.<BR />&nbsp;My impression of truckers is that of country boy rednecks who love that music. With my luck, his wife just left, the dog died and his desire to swerve out of my way is severely diminished. News Talk radio is so depressing. Listening to it on those long drives occasionally brings about those thoughts of “what if?”. So I made efforts to avoid those stations while pressing the radio scan button looking for my musical era on the long drive home. About three weeks into this job, it happened. Scanning through the radio stations at 70 miles an hour I hit one where the first words I heard was a group of people screaming at the top of their lungs, “Weeeeee’re Debt Freeeeeeee!”<BR />&nbsp;You have my attention.&nbsp; Definitely nothing depressing about that. I’ll listen to this commercial and see what the newest get rich scheme is these days. There’s only two ways to really get rich quick – print it or steal it. But the potential retirement plan tends to be a deterrent. I was bought back to reality by the blaring horns of the oncoming 18-wheeler monstrosity heading my way, and quickly got back in my lane. So did he, thank God. Hope he pats the dog and kisses the wife for me when he gets home.<BR />&nbsp;I’m thinking this commercial is one of those 30 minute infomercials like on late night TV. A few more minutes, and I knew it wasn’t. But this “Dave” guy wasn’t promoting the latest get rich quick scheme. Instead, he’s telling listeners how to keep more of the money they already have – and he’s telling them for free! Arriving home, I sat in the driveway for another 45 minutes until the end of the program. I really like this Dave Ramsey guy! Heck, I realized that one of the things he’d suggested for saving money was something I could put in practice right away.<BR />&nbsp;Upon entering the house through the garage door, my wife greeted me with “You’re late and supper’s cold.” The perplexed look on her face when I responded with “Where’s the calculator?” was priceless. I couldn’t wait to get to work the next day, and it wasn’t because I liked the job either.<BR />&nbsp;By the end of that first year on the new job I had grown to like it, and Dave had really made a difference in our lives; the best next door neighbor anyone could ask for. When bringing that paycheck home in the white envelope and cashing it, I am no longer hauling it back out the door in wheelbarrows. When the day comes for me to depart this earth, I’m ready. So is my family thanks to Dave. Dear old dad has always been and will always be my hero. Dave Ramsey is my idol.<BR />&nbsp;When you depart this earth it will of course, be shocking to your family. It’s just something which, no matter how prepared you or your family is, they’re never fully ready for it. It’s always bad. But when that day does come, it takes about 3 days for the mortician to prepare your corpse for the funeral, and it’s generally the day after that you get put in the ground. Add another 10 days until your survivors get the official death certificate from the state office of vital statistics. They can’t file for the life insurance without it. Count on yet another 10 days before the settlement check arrives.<BR />&nbsp;Meanwhile, those credit card bills you leave behind? They keep coming. The one or two that were due during the turmoil following your passing are late by the time the insurance settlement check arrives. That’s a definite ding on your credit report that will remain there for 7 years after you’re gone. Bye-bye perfect credit. Now that the contact cement is dry, if you still insist on slapping that label on and declaring me a liar, remember this………………</FONT></DIV><DIV><FONT face="arial black,avant garde" size="6" color="#000000"><STRONG><FONT>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; You Ain’t Dead Yet</FONT></STRONG></FONT></DIV><DIV>&nbsp;</DIV> Fri, 26 Apr 2019 02:52:15 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/how-i-got-out-of-debt-and-will-stay-debt-free-forever/01/24525#M15 Carl 2019-04-26T02:52:15Z Financial Learning Curve https://ttlc.intuit.com/community/your-money-stories/discussion/financial-learning-curve/01/12985#M11 <P>I learned tons from my parents, but almost nothing about money. I ended up getting my handle on my finances through a lot of trial and error (mostly error). I mean I've seen it all: spending more than I make, letting my credit score drop, not contributing to savings like I should when I'd get the biggest gains from compound interest....I can go on.&nbsp;</P> <P>&nbsp;</P> <P>Anyone have a playbook or template they used right out of the gate? 50 - 30 - 20 rule or something like that they could help others avoid those pitfalls? My little brother just finished college and I'd love to&nbsp;help him sidestep my mistakes.&nbsp;</P> <P>&nbsp;</P> <P>Thanks in advance!</P> Fri, 15 Feb 2019 19:28:06 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/financial-learning-curve/01/12985#M11 _brian 2019-02-15T19:28:06Z Usher Voice: These Are My (I've Bought Something Really Dumb in the Last 60 Days) Confessions https://ttlc.intuit.com/community/your-money-stories/discussion/usher-voice-these-are-my-i-ve-bought-something-really-dumb-in-the-last-60-days-confessions/01/12399#M5 <P>I've got a thread going on how to live frugally on another board here, and I'm getting great tips (thanks Team).&nbsp;</P><P>&nbsp;</P><P>Figured I'd start one on, "Okay, I gotta confess to things I've recently bought and immediately regretted."&nbsp;</P><P>&nbsp;</P><P>I bought a winter coat recently (a month or so ago). It was on sale. I live in a warm weather climate. I already have a perfectly fine winter coat. There was literally no reason to buy it. But I did. And when it arrived, whatever void I thought it was gonna fill, well, spoiler alert, it didn't. At most I'll wear it 5 - 10 days a year. At. Most.&nbsp;Immediate regret.&nbsp;</P><P>&nbsp;</P><P>Leaving this to hopefully dissuade me, as a reminder, from doing something similarly dumb these next two months.&nbsp;</P><P>&nbsp;</P><P>Anyone else recently buy something they almost immediately felt guilty/poorly about?&nbsp;</P> Tue, 12 Feb 2019 18:50:56 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/usher-voice-these-are-my-i-ve-bought-something-really-dumb-in-the-last-60-days-confessions/01/12399#M5 JBJ 2019-02-12T18:50:56Z I want to celebrate your small $$ win! https://ttlc.intuit.com/community/your-money-stories/discussion/i-want-to-celebrate-your-small-win/01/14569#M2 <P>Anyone needing some encouragement? I had a moment this weekend where I realized, I've completely dropped the habit of buying bottled water while running errands. Used to be an expense I didn't even think twice about. Now, I'm super diligent about filling up my water bottle at home before heading out.</P><P>&nbsp;</P><P>It's not a big thing, so hardly a moment to share out with my family and ask for props. ha!</P><P>&nbsp;</P><P>But thought maybe I'd ask here, anyone else have a small $$ win? I want to celebrate together!</P> Tue, 19 Feb 2019 21:09:29 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/i-want-to-celebrate-your-small-win/01/14569#M2 jlohani 2019-02-19T21:09:29Z Credit Card Roulette https://ttlc.intuit.com/community/your-money-stories/discussion/credit-card-roulette/01/12260#M1 <P>Have you looked back to your younger days and think "Why in the world did I possibly think that is a good idea?" when it comes to your credit card spending?&nbsp; &nbsp;</P> <P>&nbsp;</P> <P>My confession is allowing my fiance to&nbsp; participate in&nbsp; "Credit Card Roulette" on our nights out.&nbsp; Now my husband of 22 years, he was a Navy Pilot in Flight school and on Friday nights we would go on group&nbsp;dinners and enjoy libations and&nbsp;billiards&nbsp;to wind down from the week.&nbsp; At the end of the night, our friends would throw their credit cards in a hat and&nbsp; one chosen to&nbsp;pay for all the drinks and sometimes dinner.&nbsp; Sometimes the bill would be $800!&nbsp;&nbsp;</P> <P>&nbsp;</P> <P>I didn't know at the time&nbsp; how much&nbsp; credit card debt limited the amount of a mortgage loan we could receive! Lesson learned!</P> <P>&nbsp;</P> <P>Is there something you would tell your younger self? Share your confession!&nbsp;</P> Mon, 11 Feb 2019 22:34:55 GMT https://ttlc.intuit.com/community/your-money-stories/discussion/credit-card-roulette/01/12260#M1 JoyC 2019-02-11T22:34:55Z
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<channel>
<title>Your money stories topics</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/02/217
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<description>Your money stories topics</description>
<pubDate>Mon, 26 Oct 2020 10:43:55 GMT</pubDate>
<dc:creator>217</dc:creator>
<dc:date>2020-10-26T10:43:55Z</dc:date>
<item>
<title>401(K) Withdrawal</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/401-k-withdrawal/01/1724034#M294
</link>
<description>
<P>After 21 years of working for the same company, I quit in late Feb. of this yr. (2020).&nbsp; And then COVID hit.&nbsp; Due to COVID wrecking the economy, I have been unable to find work for approx. 8 months.&nbsp; I am 40-years-old and unable to receive Unemployment Compensation Benefits.&nbsp; My question is this - Am I able to withdrawal money from my 401(K) account WITHOUT incurring a 10% penalty?&nbsp; I have read mixed answers.&nbsp; Many thanks!</P>
</description>
<pubDate>Thu, 24 Sep 2020 01:52:55 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/401-k-withdrawal/01/1724034#M294
</guid>
<dc:creator>1QuickQuestion</dc:creator>
<dc:date>2020-09-24T01:52:55Z</dc:date>
</item>
<item>
<title>Co signed loan</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/co-signed-loan/01/1712686#M291
</link>
<description>
<P>I hope signed a car loan for my daughter and she hasn't been able to make regular payments and neither can I. Now my credit score has gone down. How do I fix this?</P>
</description>
<pubDate>Tue, 25 Aug 2020 16:32:19 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/co-signed-loan/01/1712686#M291
</guid>
<dc:creator>Kboo</dc:creator>
<dc:date>2020-08-25T16:32:19Z</dc:date>
</item>
<item>
<title>My refund Priscilla</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/my-refund-priscilla/01/1704380#M285
</link>
<description>
<P>I need to know why I haven’t receive my refund this is the second year I don’t get it. I send it the information that was needed received a letter from Irs stating thank you we have receive the documents and just wait this is the second year of filing that I haven’t receive my refund. What’s is the problem. Please let me know what’s going on. Thank you&nbsp;</P>
</description>
<pubDate>Wed, 05 Aug 2020 17:24:17 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/my-refund-priscilla/01/1704380#M285
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<dc:creator>Priscilla 1128</dc:creator>
<dc:date>2020-08-05T17:24:17Z</dc:date>
</item>
<item>
<title>Paying State Tax (I Owe)</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/paying-state-tax-i-owe/01/1689057#M279
</link>
<description>
<P>How do I pay the $46.00 I owe on my State tax return&nbsp; (AZ 140)?</P><P>I already submitted my tax return.</P>
</description>
<pubDate>Wed, 15 Jul 2020 20:43:19 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/paying-state-tax-i-owe/01/1689057#M279
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<dc:creator>4803531310</dc:creator>
<dc:date>2020-07-15T20:43:19Z</dc:date>
</item>
<item>
<title>Live person on the phone</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/live-person-on-the-phone/01/1660860#M275
</link>
<description>
<P>WHY CANT I GET A LIVE PERSON TO ANSWER THE PHONE??? I'M TIRED OF THAT STUPID COMPUTER TELLING ME WHAT I DONT NEED TO KNOW!!! I NEED A LIVE PERSON TO FIX THIS **bleep**!!! I FILED MY TAXES IN MARCH AND STILL DONT HAVE THEM AND NOW I HAVE A DIFFERENT BANK ACCOUNT.. THE OLD ONE IS NOW CLOSED THANKS TO ALL THE BULL. SO HOW DO I CHANGE IT NOW?&nbsp;</P>
</description>
<pubDate>Tue, 07 Jul 2020 03:30:25 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/live-person-on-the-phone/01/1660860#M275
</guid>
<dc:creator>Wesnash</dc:creator>
<dc:date>2020-07-07T03:30:25Z</dc:date>
</item>
<item>
<title>
Accidentally filed as a non filers when I already filed my 2019 Tax return in February
</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/accidentally-filed-as-a-non-filers-when-i-already-filed-my-2019-tax-return-in-february/01/1598236#M256
</link>
<description>
<P class="p1"><SPAN class="s1">I accidentally filed as a non/filers in order to receive my stimulus. I had already filed my 2019 taxes back in February and received my return. It’s my very first time time filing my own taxes. So I didn’t realize that I was not supposed to file as a Non/filer. I was emailed back an error message that said they could not accept my application with error code. (R0000-902-01). So I didn’t take any further steps. I religiously check the Get My Payment on the IRS but it’s still saying my status is unavailable. So At this point I’m really desperate in know it’s I completely ruined my changes of getting a stimulus payment ? I would really appreciate any help or insight please. I’m begging. </SPAN></P>
</description>
<pubDate>Wed, 20 May 2020 04:34:08 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/accidentally-filed-as-a-non-filers-when-i-already-filed-my-2019-tax-return-in-february/01/1598236#M256
</guid>
<dc:creator>Allison9810</dc:creator>
<dc:date>2020-05-20T04:34:08Z</dc:date>
</item>
<item>
<title>Completely destroyed my life!</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/completely-destroyed-my-life/01/1568010#M249
</link>
<description>
<P>I have been calling the help line since 7am, it is now 2pm. No answer. Not once. The line randomly repeats a message after a certain amount of time and cuts the call without fail. I am on the verge of starving to death, and I can't get so much as a 'hello'. I don't need help with the stimulus, they already emailed me 4 days ago and said they had it and when it would be available...yep, they already have it at green dot just won't release it:)! but even more URGENT is the fact that this morning I added all the money I had in the world from a different bank ccount because that card was broken and I couldnt wait 10 days for a new one, and the turbotax app said it would take minutes!!!!hahaha now it says 3-5 days and cant talk to a single human being. guess im stupid for believing anything these people say. 1/100_will never use again. These people are using our money for short term inv. and coll. and making us wait and starve.</P>
</description>
<pubDate>Tue, 05 May 2020 18:08:23 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/completely-destroyed-my-life/01/1568010#M249
</guid>
<dc:creator>Timothy422</dc:creator>
<dc:date>2020-05-05T18:08:23Z</dc:date>
</item>
<item>
<title>DD DAY FOR STIMULUS CAME AND GONE?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/dd-day-for-stimulus-came-and-gone/01/1551590#M241
</link>
<description>
<P>Get my payment says DD was given 04/29/20 says it’s been directed onto my turbo account all info is correct but there has not been a credit to my turbo card and there’s no pending transaction? Where’s my money turbo card?</P>
</description>
<pubDate>Wed, 29 Apr 2020 22:06:53 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/dd-day-for-stimulus-came-and-gone/01/1551590#M241
</guid>
<dc:creator>Tiffjakes9721</dc:creator>
<dc:date>2020-04-29T22:06:53Z</dc:date>
</item>
<item>
<title>Late Federal Refund</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/late-federal-refund/01/1547882#M235
</link>
<description>
<P>Over 6 weeks since my return was accepted but no refund. IRS website states it is still being processed. Never had an issue in the past and 2019 return has the same components as previous years. Any suggestions how to contact the IRS. Their phones have the message that no warm bodies will answer. Don't know where to write since I efiled.</P>
</description>
<pubDate>Tue, 28 Apr 2020 20:13:17 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/late-federal-refund/01/1547882#M235
</guid>
<dc:creator>GeoffS</dc:creator>
<dc:date>2020-04-28T20:13:17Z</dc:date>
</item>
<item>
<title>Stimulus issues</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-issues/01/1545226#M226
</link>
<description>
<P>I recieved my stimulus pay for myself but I have 4 children and they didn't not receive anything at all,and all my info was inputted on the system by TT adding my dependents. I've tried looking for info on why this happened to me. I believe it happened to alot of people as well. What should I do?</P>
</description>
<pubDate>Tue, 28 Apr 2020 00:38:38 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-issues/01/1545226#M226
</guid>
<dc:creator>jeryluv</dc:creator>
<dc:date>2020-04-28T00:38:38Z</dc:date>
</item>
<item>
<title>Stimulus check is wrong amount</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-check-is-wrong-amount/01/1518347#M217
</link>
<description>
<P>I filed taxes as head of household last two years and I did not receive the $500 credit per child. Why is that and do you know how I can collect that?</P><P>&nbsp;</P>
</description>
<pubDate>Tue, 21 Apr 2020 13:54:54 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-check-is-wrong-amount/01/1518347#M217
</guid>
<dc:creator>LeeLee333</dc:creator>
<dc:date>2020-04-21T13:54:54Z</dc:date>
</item>
<item>
<title>Late fed return</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/late-fed-return/01/1513202#M215
</link>
<description>
<P>It's been 42 days since I Efiled. Wheres my federal reurn?</P>
</description>
<pubDate>Mon, 20 Apr 2020 05:38:04 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/late-fed-return/01/1513202#M215
</guid>
<dc:creator>Gemme1989</dc:creator>
<dc:date>2020-04-20T05:38:04Z</dc:date>
</item>
<item>
<title>Stimulus payment delay</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-payment-delay/01/1506869#M213
</link>
<description>
<P>Can you provide an update on when I can expect my payment to post into my account? The IRS website reports my payment was deposited into my turbo tax direct deposit account. (As seen in the attachment). However, my account balance continues to remain 0.00. Im growing increasingly frustrated. I haven't been able to speak to a live person for information with your company. Please update me and provide info on a way I can speak with a live representative to get info.&nbsp;<span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="Screenshot_[phone number removed]01.png" style="width: 720px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/8781iD23595ED4E00B6F0/image-size/large?v=1.0&amp;px=999" role="button" title="Screenshot_20200415-143201.png" alt="Screenshot_20200415-143201.png" /></span></P><P>&nbsp;</P>
</description>
<pubDate>Sat, 18 Apr 2020 15:11:22 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-payment-delay/01/1506869#M213
</guid>
<dc:creator>mtearth</dc:creator>
<dc:date>2020-04-18T15:11:22Z</dc:date>
</item>
<item>
<title>
Stimulus direct deposit not showing on Turbo Debit Card
</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-direct-deposit-not-showing-on-turbo-debit-card/01/1485214#M186
</link>
<description>
<P>I did my taxes and set it up to receive my refund on my turbo debit card, and I didn’t get an advance or have a negative balance. I’ve never used it, it’s been sitting for months waiting for my under review taxes. Well I used the IRS portal today and it says it sent today to that card but it’s not displaying it at all and I can’t call Green Dot or Turbo Tax to verify they received it which is what the IRS says to do. (Call the bank) Is anyone else having this issue? Concerned they stole my stimulus.&nbsp;</P>
</description>
<pubDate>Wed, 15 Apr 2020 22:36:10 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-direct-deposit-not-showing-on-turbo-debit-card/01/1485214#M186
</guid>
<dc:creator>DarthRC137</dc:creator>
<dc:date>2020-04-15T22:36:10Z</dc:date>
</item>
<item>
<title>CHILD DEPENDENT</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/child-dependent/01/1483850#M184
</link>
<description>
<P>So I claimed my fiancé and her 3 kids and our child we have together&nbsp; on my taxes but I only got stimulus check for our son and myself I know she wont get anything due to being a dependent ..why is that ? I have been claiming them for years now they live with me and I support them 100% by myself. she is a SAHM so she doesn't do taxes.</P>
</description>
<pubDate>Wed, 15 Apr 2020 21:07:47 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/child-dependent/01/1483850#M184
</guid>
<dc:creator>supers4</dc:creator>
<dc:date>2020-04-15T21:07:47Z</dc:date>
</item>
<item>
<title>Irs stimulus check</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/irs-stimulus-check/01/1478704#M178
</link>
<description>
<P>I receive my stimulus check today and it's not that I'm not greatful but I only got $48 from it it. Everyone I ask and talk to get 1200 except me so I'm a bit confuse.</P>
</description>
<pubDate>Wed, 15 Apr 2020 16:48:31 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/irs-stimulus-check/01/1478704#M178
</guid>
<dc:creator>Daichi27</dc:creator>
<dc:date>2020-04-15T16:48:31Z</dc:date>
</item>
<item>
<title>Stimulus money will it come on my turbo card</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-money-will-it-come-on-my-turbo-card/01/1473252#M174
</link>
<description/>
<pubDate>Wed, 15 Apr 2020 08:36:28 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/stimulus-money-will-it-come-on-my-turbo-card/01/1473252#M174
</guid>
<dc:creator>Eli52016</dc:creator>
<dc:date>2020-04-15T08:36:28Z</dc:date>
</item>
<item>
<title>Will a new debit card effect my stimulus</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/will-a-new-debit-card-effect-my-stimulus/01/1472947#M173
</link>
<description>
<P>I had to get new debit card due to someone stealing money from another state from me will this effect my stimulus Money from going on to my new card?&nbsp;</P>
</description>
<pubDate>Wed, 15 Apr 2020 07:04:00 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/will-a-new-debit-card-effect-my-stimulus/01/1472947#M173
</guid>
<dc:creator>Biancalovesg</dc:creator>
<dc:date>2020-04-15T07:04:00Z</dc:date>
</item>
<item>
<title>IRS Stimulus Check Direct Deposit</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/irs-stimulus-check-direct-deposit/01/1418884#M163
</link>
<description>
<P>I chose to have my Turbo Tax fees taken from my&nbsp;return instead of paying upfront. When using this option the return is deposited into a Santa Barbara Bank account first and then transferred to my Turbo Card. Since the IRS has the direct deposit information for Santa Barbara and not my Turbo Card, what will happen when the IRS/Treasury sends my Stimulus Check?</P><P>&nbsp;</P>
</description>
<pubDate>Tue, 07 Apr 2020 09:02:32 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/irs-stimulus-check-direct-deposit/01/1418884#M163
</guid>
<dc:creator>Djhowell1984</dc:creator>
<dc:date>2020-04-07T09:02:32Z</dc:date>
</item>
<item>
<title>Thanks. I have benefited</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/thanks-i-have-benefited/01/1366043#M158
</link>
<description>
<P>&nbsp; &nbsp; &nbsp; My son needed some help doing his taxes. His 18's were in a limbo. He got that squared away and I had his 2019 done in minutes. I have had a lousy 2018 and will hopefully break even this year. I'll come calling. For that I'll be subscribing to a helpful walkthrough that I noticed while my son and I did his. So thanks for this service. I'll endorse you whenever I'm asked.&nbsp;</P>
</description>
<pubDate>Fri, 27 Mar 2020 05:18:54 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/thanks-i-have-benefited/01/1366043#M158
</guid>
<dc:creator>90157</dc:creator>
<dc:date>2020-03-27T05:18:54Z</dc:date>
</item>
<item>
<title>Advice for International students</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/advice-for-international-students/01/1353623#M157
</link>
<description>
<P>I am currently an international student (I am one of those lifelong/career students). I work and pay taxes, I have no debts and I've made sure to stay clear of credit card debts, not even ones from departmental stores. I want to save and invest, and potentially buy a house in America but I'm worried that I might have to return to my country of origin and then all my savings/investments and dreams of owning a home in America would be useless especially because I may never become a citizen, and I live on a student's income. I know for a fact (knock on wood) that I will be in the country for another 5-10 years getting those darn STEM degrees. But I still want some sort of stability and investment just in case I do become a citizen or don't have to leave for another 20-30 years. How do I proceed?</P>
</description>
<pubDate>Tue, 24 Mar 2020 05:18:39 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/advice-for-international-students/01/1353623#M157
</guid>
<dc:creator>prissybiscuit</dc:creator>
<dc:date>2020-03-24T05:18:39Z</dc:date>
</item>
<item>
<title>SSA federal tax withholding</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/ssa-federal-tax-withholding/01/1322718#M151
</link>
<description>
<P>The SSA office made an error on my withholding. No withholding was taken out. I made no changes on this from previous years. Due to this SSA error my tax return shows a penalty is due. How can I get this penalty waved?</P><P>[email address removed]</P>
</description>
<pubDate>Mon, 16 Mar 2020 13:44:13 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/ssa-federal-tax-withholding/01/1322718#M151
</guid>
<dc:creator>djnicholsonsr</dc:creator>
<dc:date>2020-03-16T13:44:13Z</dc:date>
</item>
<item>
<title>EARNED INCOME CREDIT</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/earned-income-credit/01/1255718#M131
</link>
<description>
<P>I AM TRYING TO GET THE EARNED INCOME CREDIT, IT KEEPS SAYING I MADE TOO MUCH BUT I HAVE BEEN DEPLOYED FOR HAVE OF 2019 AND COMBAT PAY IS NON TAXABLE PAY AND SHOULD NOT AGAINST ME. HOW DO I FIX THIS SO I GET THE CREDIT</P>
</description>
<pubDate>Mon, 02 Mar 2020 02:04:19 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/earned-income-credit/01/1255718#M131
</guid>
<dc:creator>CYBERSCREW3</dc:creator>
<dc:date>2020-03-02T02:04:19Z</dc:date>
</item>
<item>
<title>Temp work from home</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/temp-work-from-home/01/1227897#M127
</link>
<description>
<P>Why did my temporary working from home considered a business?&nbsp;</P><P>&nbsp;</P>
</description>
<pubDate>Tue, 25 Feb 2020 17:23:21 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/temp-work-from-home/01/1227897#M127
</guid>
<dc:creator>jaks_dls2019</dc:creator>
<dc:date>2020-02-25T17:23:21Z</dc:date>
</item>
<item>
<title>One Day From Homeless, Our Story</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/one-day-from-homeless-our-story/01/1207073#M123
</link>
<description>
<P><FONT face="arial black,avant garde"><STRONG>ONE DAY FROM HOMELESS, HOW COULD THIS HAPPEN?</STRONG></FONT></P><P><SPAN>People are in shock when I tell them that my husband and I had been one day from homeless. They respond, NO WAY! They can't believe it. Friends knew us as middle class. We still look, middle class. We behave middle class. There is not anything that gives us away. Since everything fails to confirm our financial situation and living circumstances, I have no choice but to tell them our story, One Day From Homeless.<BR /><span class="lia-inline-image-display-wrapper lia-image-align-center" image-alt="1.png" style="width: 660px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/4981i27FB8A71672369D4/image-size/large?v=1.0&amp;px=999" role="button" title="1.png" alt="1.png" /></span></SPAN></P><P><FONT face="arial black,avant garde"><STRONG>OUR STORY</STRONG></FONT></P><P><SPAN>When my husband and I became a couple in 1994, everything was fine. We had a house on the beach. We each had a car. Both of us had college degrees. I had a small business. He had a job and was completing a Counseling Certificate.</SPAN></P><P>&nbsp;</P><P>We both came from good homes. I was from the south shore of Long Island while he was from the North. We had good upbringings and were community members in good standing. There was nothing to foretell what was to come.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">A MIDDLE-CLASS LIFE</FONT></P><P><SPAN>We lived a comfortable middle-class life. Things all seemed headed in a great direction. The house we owned skyrocketed in value. We sold it at the top of the market right before housing decided to turn south and crash.</SPAN></P><P>&nbsp;</P><P><SPAN>My husband had a job injury that led to a layoff. As a result, he </SPAN>was able to go back to school full time. He studied graphic design and got a terrific job in NYC in 2000. I had<SPAN>&nbsp;</SPAN><A href="https://alisondgilbert.com/entrepreneur/creative-passion-art-design/decorative-painting-by-alison-gilbert/" target="_blank" rel="noopener">a decorative painting business</A>. It was going well. For a while, things were going great.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">GREAT TAKES A TURN FOR THE WORSE</FONT></P><P><SPAN>But then the stock market showed signs of instability. My planner said it was just a bear market that would correct itself. My gut disagreed. But she was the professional, so I held on. At the same time, changes were going on at my husband's job. He had to commute one and a half hours each way to New Jersey during the reconstruction of their Manhattan headquarters.</SPAN></P><P>&nbsp;</P><P>When they returned to NYC, he got a new boss. From day one, they were like 'oil and water.' The working relationship went from bad to worse. As if some quirk of fate had orchestrated it, everything felt like an avalanche gathering downhill speed simultaneously.</P><DIV class="mceNonEditable lia-copypaste-placeholder">&nbsp;</DIV><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="Screen Shot 2020-02-22 at 6.32.21 AM.png" style="width: 666px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/4982i8B07464FD065D25D/image-size/large?v=1.0&amp;px=999" role="button" title="Screen Shot 2020-02-22 at 6.32.21 AM.png" alt="Screen Shot 2020-02-22 at 6.32.21 AM.png" /></span></P><P><FONT face="arial black,avant garde"><BR />THEN CAME 2008</FONT></P><P><SPAN>My husband had just turned 62. So he could collect social security. But he preferred to keep working and wait until age 67. But he got laid off. It was bound to happen. Better than the homicide or heart attack I feared would happen from working with his boss.</SPAN></P><P>&nbsp;</P><P>The mutual funds that were supplying a small income for me were competing in a similar downhill race. And it all crashed at once. That was in 2008. My husband's job was gone, and our funds were dwindling. If it had not been for President Obama's extension of unemployment insurance from 26 to 99 weeks and his decrease in COBRA insurance from $1500/month to $500/month, our demise would have come much sooner.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">THE HANGOVER OF 2009</FONT></P><P><SPAN>As we continued to live on dwindling savings and my husband's pension, I felt more and more despair. I had never felt this way before. I started carrying my toothbrush and dental floss with me everywhere I went. Something didn't feel right. At first, I started having terrible pains in the area of my gall bladder. In attempting to heal that without surgery, I began to have a severe emotional swing, a downward crash.</SPAN></P><P>&nbsp;</P><P>As much as I fought it, I could not stop falling. I fell into a deep, dark hole where there was nothing. There was no hope; no future and time almost came to a standstill.</P><P>I was having a nervous breakdown. With five visits to the emergency room, I ended up in the psychiatric unit of the local hospital from two of the ER visits. That is where I spent much of my summer, in and out of it the unit. Then I was in the aftercare program. I don't know which aspect of that ordeal was the worst part. The only saving grace was that I was in air conditioning all summer.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">VEGETABLE OR HUMAN</FONT></P><P><SPAN>My husband was terrified that the prescribed medicine overload would leave me vegetative for life. But he stuck by me visiting me in the hospital every day, twice each day. He didn't even tell me about the day he got hit by a car when he was riding his bike. He didn't want to upset me. He told me about it years later. Thank God, he was OK.</SPAN></P><P>&nbsp;</P><P>Somehow, I finally got on the right medicine, from seven at one point down to a reasonable, workable two. I found an excellent therapist and started to see a pinhole of daylight out of that black hole.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">SAYING GOODBYE TO OUR MONEY</FONT></P><P><SPAN>But one thing did not stop. That was the drip, drip, drip of our money going down the drain, as we had to support a Middle-Class life of expenses on a Poor Middle-Class income. But we did not identify what it was at the time.</SPAN></P><P>&nbsp;</P><P>My husband continued to seek work to put us back in balance. But in terror, I counted the months our funds would last. By then, we were in 'the system,' Medicare, Medicaid, and food stamps. But what were we going to do about our housing situation?</P><P>&nbsp;</P><P>We had a two-bedroom apartment and no idea what we were going to do or where we were going to go. We thought the answer was to get evicted since that would bide our time or so we thought.</P><DIV class="mceNonEditable lia-copypaste-placeholder">&nbsp;</DIV><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="Screen Shot 2020-02-22 at 6.39.33 AM.png" style="width: 663px;"><img src="https://ttlc.intuit.com/community/image/serverpage/image-id/4983iEF2D1B96FEA8DCAA/image-size/large?v=1.0&amp;px=999" role="button" title="Screen Shot 2020-02-22 at 6.39.33 AM.png" alt="Screen Shot 2020-02-22 at 6.39.33 AM.png" /></span></P><P><FONT face="arial black,avant garde">ALMOST HOMELESS</FONT></P><P><SPAN>Thank God, we did not go that route. It would have been a mark against us for future housing applications. Our landlord was wonderful. He patiently worked with us, accepting what we had left to give him. First, it was our deposit as a month's rent and then one of my husband's best paintings as the final month's rent.</SPAN></P><P>&nbsp;</P><P>By then, we were down to another level in 'the system,' the search for emergency housing. Miraculously, with the help of a friend, we found a senior housing opening. It usually takes years to get in. First, you apply to a waiting list to wait on another list to apply for an apartment.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">LIFE IN A STUDIO APARTMENT</FONT></P><P><SPAN>But the housing that we found in record time, two weeks, was a studio apartment. That was the only drawback. The building was lovely, centrally located, and most importantly, it would provide a roof over our heads in a beautiful building. For several weeks, before we found the studio apartment, we thought we could end up homeless.</SPAN></P><P>&nbsp;</P><P>Then there was a paperwork screw up with the county's bureaucracy at the very last minute. We had gone there for our 'one-shot,' the money for our apartment deposit. We waited over 3 hours for it. But at the very last minute, it was denied to us. We had $8 too much money to our names. We were supposed to be delivering the deposit for the new apartment the next day. I was panicked. That was the closest we have come to becoming homeless. It is something I pray that we would never experience again.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">MIRACLES DO HAPPEN</FONT></P><P><SPAN>At the last minute, the money we needed for our deposit was made available by a charitable organization when they heard our story. After the three unnerving hours we had spent in the county's facility, we drove another hour to the place that saved us with their donation. But I have to admit that the six months starting with the countdown of funds to almost homeless was probably the scariest time in my life. I felt so powerless.</SPAN></P><P>&nbsp;</P><P><FONT face="arial black,avant garde">MOVING FORWARD</FONT></P><P><SPAN>It is hard to believe that we have been living in our building for about four years. We were even able to move into a one-bedroom apartment about a year and a half ago. It feels like a palace after two and a half years in a studio. We see the trees out our window and feel like we can contact the sky.</SPAN></P><P>&nbsp;</P><P>My husband was able to go for advanced training in the counseling field. He has been interning doing that. I have been learning how to adjust to being Poor Middle Class, not as a punishment but as a badge of courage.</P><P>&nbsp;</P><P><FONT face="arial black,avant garde">A GIFT</FONT></P><P><SPAN>We believe that the experiences of the last eight years have shown us how to learn how to survive from a place of surrender, gratitude, and humility. It has been and is still quite a journey. What we have learned and continue to learn is a gift.</SPAN></P><P>&nbsp;</P><P>It is a gift that has been given to us to pass on to others. Let us continue to experience this new life as a gift. Let us also continue to pass on joyfully, what we have learned, and continue to learn. Let our experience help others who are now where we once were, almost homeless and part of<SPAN>&nbsp;the former middle-class.</SPAN></P><DIV class="sharedaddy sd-sharing-enabled">&nbsp;</DIV>
</description>
<pubDate>Sat, 22 Feb 2020 12:27:51 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/one-day-from-homeless-our-story/01/1207073#M123
</guid>
<dc:creator>Alison</dc:creator>
<dc:date>2020-02-22T12:27:51Z</dc:date>
</item>
<item>
<title>
The Belly Pat Story. An Unlikely Trip to Financial Wellness.
</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/the-belly-pat-story-an-unlikely-trip-to-financial-wellness/01/853120#M60
</link>
<description>
<P><SPAN>I imagine most people, especially those who have made radical life changes (or any change for that matter) can remember their tipping point.&nbsp; I have one I’d like to share.</SPAN></P><P>&nbsp;</P><P><SPAN>It happened during a lunch break at work.&nbsp; Myself and a coworker were eating perhaps a bit too much and bit too quick.&nbsp; Still in my early 20’s and a former collegiate athlete these poor eating habits had started to show on my body.&nbsp; But being one of the younger people in the company the habits hadn’t transformed me as much as others in the company.&nbsp; This particular coworker being twice my age was getting bigger and in more pain by the year as you could see and even hear when he moved.&nbsp; We made eye contact that said ‘</SPAN><I><SPAN>yeah that’s not good to eat like that</SPAN></I><SPAN>’ and he stood up, patted his belly, looked at me and said, “You just wait.&nbsp; This will happen to you too.”</SPAN></P><P>&nbsp;</P><P><SPAN>The interaction and those six words hit me like a brick.&nbsp; I looked around. Everyone looked just like him. Tired, out of shape, a bit dissatisfied.&nbsp; I did a lot of thinking the rest of the day and was bothered this person assumed my fate would be so similar to everyone else's.&nbsp; I used him and that interaction as my new motivation. He was my picture of Ivan Drago on the mirror in Rocky IV. I’m pretty type A so this was huge just to get the ball rolling.&nbsp; First I started eating right. And by eating I only mean I went raw vegan for the better part of two years. Then starting a vigorous exercise program that ballooned all the way to an ironman triathlon career.&nbsp;&nbsp;</SPAN></P><P>&nbsp;</P><P><SPAN>But it wasn’t just health.&nbsp; I started questioning everything.&nbsp; Does everyone here, or anyone, feel moved by the work they do?&nbsp; Why are they working into their seventies?&nbsp; Why do they keep telling me social security is going to dry up and I’ll have to work until I’m 80?&nbsp; &nbsp;What if I want to work until I’m 80?</SPAN></P><P>&nbsp;</P><P><SPAN>There began my journey into finances.&nbsp; It was pretty obvious pretty early why most people around me became stuck in jobs.&nbsp; They simply didn't know what to do with the money they made. They bought materialistic possessions out of habit or out of ego.&nbsp; They put 75% of their income into housing, transportation (cars), and food. Also those in unsatisfactory jobs simply needed to blow off steam so they spent money on entertainment, alcohol, and big weekends.&nbsp; They bought the latest tech and anything else that would give a quick hit of dopamine and a welcomed distraction.&nbsp;&nbsp;</SPAN></P><P>&nbsp;</P><P><SPAN>I learned that those who seemed to live a life on their terms had assets and not things.&nbsp; They spoke of the freedom of owning less.&nbsp; To remain lighter and more agile.&nbsp; They bought long term interest producing investments. They drove modest cars or none at all.&nbsp; They used real estate as a tool to build wealth not a statement of self worth.&nbsp; They understood the accounts that would lower their taxable income on paper yet setting them up for long term financial success, like a 401K.&nbsp; They invested in self improvement and growing their skills. Staying ahead of shifts in the workforce as to always be in a position to earn.&nbsp;&nbsp;</SPAN></P><P>&nbsp;</P><P><SPAN>So I did what I could to jump onto that train and jump off my current train.&nbsp; Still loaded with student loan debt I stopped the bleeding in places I could control.&nbsp; Cooking my own meals. Buying a new anything as a last resort.&nbsp; My needs and wants became brilliantly more clear and separated.&nbsp; I went from a 40,000 dollar ‘ego machine’ truck to a 200,000 mile Toyota Prius.&nbsp; Then to a bicycle and a bus pass.&nbsp; I traded the ‘comforts’ of single family home or having my own apartment.&nbsp; I thought buying a duplex made wonderful sense.&nbsp; Live in one half and rent the other to offset mortgage and other costs.&nbsp; I was still young and in debt and did not have a lot of cash or time. I partnered with a like minded friend.&nbsp; Cutting the cost of entry in half.&nbsp; We lived there for years while offsetting living costs.&nbsp; Neither of us live there now and we rented both sides and the house essentially pays us.&nbsp; At one point as a 30 year old I lived with 6 roommates! Sharing a bath with 2 others.&nbsp; This place was within 5 miles of where I worked and very bike-able.&nbsp; I could save my two biggest assets.&nbsp; Time and money.&nbsp;&nbsp;&nbsp;&nbsp;</SPAN></P><P>&nbsp;</P><P><SPAN>These changes became habits.&nbsp; I was able to get to 100% debt free before 30.&nbsp; And the fact that I even had a ‘net worth’ was reason enough to smile.&nbsp; Full disclosure I am giving the highlights here.&nbsp; There were stumbles.&nbsp; Times when biking in the cold rain sucks.&nbsp; Having your roommate walk in on you moving your bowels is frustrating.&nbsp; But it’s not worse than still being at that lunch table at 65 years old.&nbsp; Patting my overgrown belly while warning some kid of his doomed future.</SPAN></P><P><BR /><SPAN>I coach people when I can on how to replicate or preferable to better than what I did.&nbsp; I hope to be a motivation and light that all people can look to when looking to make life changes.&nbsp; So I can instead be working into my golden years by choice.&nbsp; Sitting at a lunch table.&nbsp; Saying to a young person proudly; “You wait, this </SPAN><EM><STRONG>can</STRONG></EM><SPAN> happen to you”&nbsp; </SPAN></P><P>&nbsp;</P><P><SPAN>- Jim</SPAN></P>
</description>
<pubDate>Tue, 17 Sep 2019 23:03:00 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/the-belly-pat-story-an-unlikely-trip-to-financial-wellness/01/853120#M60
</guid>
<dc:creator>Jim_Sestito</dc:creator>
<dc:date>2019-09-17T23:03:00Z</dc:date>
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<title>What should I do with my refund?</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/what-should-i-do-with-my-refund/01/21100#M20
</link>
<description>
<P>Think I'm getting a refund this year (fingers crossed, breath held, all that jazz) and, in thinking about what I spent my refund on last year, I realized I totally blew it.&nbsp;</P><P>&nbsp;</P><P>How can I actually save (beyond, you know, not spending it) or maybe even grow this possible/hopeful check?&nbsp;</P><P>&nbsp;</P><P>For some context, I wanna buy a house at some point in my life, I should probably get rid of my car loan at some point, and I have some credit card debt.&nbsp;&nbsp;Seriously, what should I do?&nbsp;</P>
</description>
<pubDate>Fri, 29 Mar 2019 22:55:33 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/what-should-i-do-with-my-refund/01/21100#M20
</guid>
<dc:creator>JBJ</dc:creator>
<dc:date>2019-03-29T22:55:33Z</dc:date>
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<item>
<title>Getting Over Bad Money Decisions</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/getting-over-bad-money-decisions/01/14630#M17
</link>
<description>
<P>Last week, on the Turbo blog, we talked about ways to forgive yourself and move on from past financial mistakes. CFSW, Marsha Barnes, shared five key ways to move on and get better with your money:</P><P>&nbsp;</P><P>1. Recognize previous spending behaviors and forgive yourself in the process</P><P>2. Create a tangible plan addressing one issue at a time</P><P>3. Remain dedicated to the process</P><P>4. Remind yourself often of your current goals and where you want to be in the future</P><P>5. Patience is a virtue; stay the course</P><P>&nbsp;</P><P>What do you think of these tips? Anything you would add from your own experience?</P><P>&nbsp;</P><P>Check out the full post here: <A href="https://turbo.intuit.com/blog/relationships/how-to-fall-back-in-love-with-yourself-after-your-financial-mistakes-2121/" target="_blank">https://turbo.intuit.com/blog/relationships/how-to-fall-back-in-love-with-yourself-after-your-financial-mistakes-2121/</A></P>
</description>
<pubDate>Tue, 19 Feb 2019 23:28:40 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/getting-over-bad-money-decisions/01/14630#M17
</guid>
<dc:creator>jlohani</dc:creator>
<dc:date>2019-02-19T23:28:40Z</dc:date>
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<item>
<title>
How I got out of debt, and will stay debt free forever
</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/how-i-got-out-of-debt-and-will-stay-debt-free-forever/01/24525#M15
</link>
<description>
<DIV><FONT>In my younger years I liked listening to the radio as I proudly drove around town with my buddies checking out the bikini clad babes on the beach. We’d roll down the windows, crank up the tunes and cruise the dunes. Pumping hard rock through the radio speakers at an ear splitting volume got a fair number of those fine beauties in the car with us too!<BR />&nbsp;Upon arriving home in the late afternoon, windows rolled down and the car stereo blaring the latest tunes at an ear splitting volume while dad was tinkering in the garage, he’d always greet my arrival with the same comment:&nbsp; “Turn that shit-kicking music down!” His generation grew up in the Big Band era. People and things change over time. Or do they?<BR />&nbsp;After serving my country overseas for my entire 20 year career, I retired and returned to my hometown to find work and raise my own family. Dear old dad had it right. When my son turned 16 and we upgraded his driver’s license from a learner’s permit, I let him drive the car to school. That afternoon I heard him coming a block away with some Snoop-Dog rappin’ type of gibberish blaring full blast throughout the neighborhood. Without thinking, as he pulled into the driveway I hollered the first thing that came to mind: “TURN THAT RAP CRAP DOWN!”. Oh the memories.<BR />&nbsp;After military life my new job was a 30 mile drive each way. This was just over two decades ago, and I needed something calming on that long drive home. The tunes of my day were hard to find. Country music was depressing with its wife leaving and dog dying themes, and that rap crap stuff is just that. Crap. News talk was (and still is) nothing but bad news which invoked feelings of depression. It makes one contemplate crossing the centerline on the interstate as the oncoming semi approaches.<BR />&nbsp;My impression of truckers is that of country boy rednecks who love that music. With my luck, his wife just left, the dog died and his desire to swerve out of my way is severely diminished. News Talk radio is so depressing. Listening to it on those long drives occasionally brings about those thoughts of “what if?”. So I made efforts to avoid those stations while pressing the radio scan button looking for my musical era on the long drive home. About three weeks into this job, it happened. Scanning through the radio stations at 70 miles an hour I hit one where the first words I heard was a group of people screaming at the top of their lungs, “Weeeeee’re Debt Freeeeeeee!”<BR />&nbsp;You have my attention.&nbsp; Definitely nothing depressing about that. I’ll listen to this commercial and see what the newest get rich scheme is these days. There’s only two ways to really get rich quick – print it or steal it. But the potential retirement plan tends to be a deterrent. I was bought back to reality by the blaring horns of the oncoming 18-wheeler monstrosity heading my way, and quickly got back in my lane. So did he, thank God. Hope he pats the dog and kisses the wife for me when he gets home.<BR />&nbsp;I’m thinking this commercial is one of those 30 minute infomercials like on late night TV. A few more minutes, and I knew it wasn’t. But this “Dave” guy wasn’t promoting the latest get rich quick scheme. Instead, he’s telling listeners how to keep more of the money they already have – and he’s telling them for free! Arriving home, I sat in the driveway for another 45 minutes until the end of the program. I really like this Dave Ramsey guy! Heck, I realized that one of the things he’d suggested for saving money was something I could put in practice right away.<BR />&nbsp;Upon entering the house through the garage door, my wife greeted me with “You’re late and supper’s cold.” The perplexed look on her face when I responded with “Where’s the calculator?” was priceless. I couldn’t wait to get to work the next day, and it wasn’t because I liked the job either.<BR />&nbsp;By the end of that first year on the new job I had grown to like it, and Dave had really made a difference in our lives; the best next door neighbor anyone could ask for. When bringing that paycheck home in the white envelope and cashing it, I am no longer hauling it back out the door in wheelbarrows. When the day comes for me to depart this earth, I’m ready. So is my family thanks to Dave. Dear old dad has always been and will always be my hero. Dave Ramsey is my idol.<BR />&nbsp;When you depart this earth it will of course, be shocking to your family. It’s just something which, no matter how prepared you or your family is, they’re never fully ready for it. It’s always bad. But when that day does come, it takes about 3 days for the mortician to prepare your corpse for the funeral, and it’s generally the day after that you get put in the ground. Add another 10 days until your survivors get the official death certificate from the state office of vital statistics. They can’t file for the life insurance without it. Count on yet another 10 days before the settlement check arrives.<BR />&nbsp;Meanwhile, those credit card bills you leave behind? They keep coming. The one or two that were due during the turmoil following your passing are late by the time the insurance settlement check arrives. That’s a definite ding on your credit report that will remain there for 7 years after you’re gone. Bye-bye perfect credit. Now that the contact cement is dry, if you still insist on slapping that label on and declaring me a liar, remember this………………</FONT></DIV><DIV><FONT face="arial black,avant garde" size="6" color="#000000"><STRONG><FONT>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; You Ain’t Dead Yet</FONT></STRONG></FONT></DIV><DIV>&nbsp;</DIV>
</description>
<pubDate>Fri, 26 Apr 2019 02:52:15 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/how-i-got-out-of-debt-and-will-stay-debt-free-forever/01/24525#M15
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<dc:creator>Carl</dc:creator>
<dc:date>2019-04-26T02:52:15Z</dc:date>
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<title>Financial Learning Curve</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/financial-learning-curve/01/12985#M11
</link>
<description>
<P>I learned tons from my parents, but almost nothing about money. I ended up getting my handle on my finances through a lot of trial and error (mostly error). I mean I've seen it all: spending more than I make, letting my credit score drop, not contributing to savings like I should when I'd get the biggest gains from compound interest....I can go on.&nbsp;</P> <P>&nbsp;</P> <P>Anyone have a playbook or template they used right out of the gate? 50 - 30 - 20 rule or something like that they could help others avoid those pitfalls? My little brother just finished college and I'd love to&nbsp;help him sidestep my mistakes.&nbsp;</P> <P>&nbsp;</P> <P>Thanks in advance!</P>
</description>
<pubDate>Fri, 15 Feb 2019 19:28:06 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/financial-learning-curve/01/12985#M11
</guid>
<dc:creator>_brian</dc:creator>
<dc:date>2019-02-15T19:28:06Z</dc:date>
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<item>
<title>
Usher Voice: These Are My (I've Bought Something Really Dumb in the Last 60 Days) Confessions
</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/usher-voice-these-are-my-i-ve-bought-something-really-dumb-in-the-last-60-days-confessions/01/12399#M5
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<description>
<P>I've got a thread going on how to live frugally on another board here, and I'm getting great tips (thanks Team).&nbsp;</P><P>&nbsp;</P><P>Figured I'd start one on, "Okay, I gotta confess to things I've recently bought and immediately regretted."&nbsp;</P><P>&nbsp;</P><P>I bought a winter coat recently (a month or so ago). It was on sale. I live in a warm weather climate. I already have a perfectly fine winter coat. There was literally no reason to buy it. But I did. And when it arrived, whatever void I thought it was gonna fill, well, spoiler alert, it didn't. At most I'll wear it 5 - 10 days a year. At. Most.&nbsp;Immediate regret.&nbsp;</P><P>&nbsp;</P><P>Leaving this to hopefully dissuade me, as a reminder, from doing something similarly dumb these next two months.&nbsp;</P><P>&nbsp;</P><P>Anyone else recently buy something they almost immediately felt guilty/poorly about?&nbsp;</P>
</description>
<pubDate>Tue, 12 Feb 2019 18:50:56 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/usher-voice-these-are-my-i-ve-bought-something-really-dumb-in-the-last-60-days-confessions/01/12399#M5
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<dc:creator>JBJ</dc:creator>
<dc:date>2019-02-12T18:50:56Z</dc:date>
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<item>
<title>I want to celebrate your small $$ win!</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/i-want-to-celebrate-your-small-win/01/14569#M2
</link>
<description>
<P>Anyone needing some encouragement? I had a moment this weekend where I realized, I've completely dropped the habit of buying bottled water while running errands. Used to be an expense I didn't even think twice about. Now, I'm super diligent about filling up my water bottle at home before heading out.</P><P>&nbsp;</P><P>It's not a big thing, so hardly a moment to share out with my family and ask for props. ha!</P><P>&nbsp;</P><P>But thought maybe I'd ask here, anyone else have a small $$ win? I want to celebrate together!</P>
</description>
<pubDate>Tue, 19 Feb 2019 21:09:29 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/i-want-to-celebrate-your-small-win/01/14569#M2
</guid>
<dc:creator>jlohani</dc:creator>
<dc:date>2019-02-19T21:09:29Z</dc:date>
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<item>
<title>Credit Card Roulette</title>
<link>
https://ttlc.intuit.com/community/your-money-stories/discussion/credit-card-roulette/01/12260#M1
</link>
<description>
<P>Have you looked back to your younger days and think "Why in the world did I possibly think that is a good idea?" when it comes to your credit card spending?&nbsp; &nbsp;</P> <P>&nbsp;</P> <P>My confession is allowing my fiance to&nbsp; participate in&nbsp; "Credit Card Roulette" on our nights out.&nbsp; Now my husband of 22 years, he was a Navy Pilot in Flight school and on Friday nights we would go on group&nbsp;dinners and enjoy libations and&nbsp;billiards&nbsp;to wind down from the week.&nbsp; At the end of the night, our friends would throw their credit cards in a hat and&nbsp; one chosen to&nbsp;pay for all the drinks and sometimes dinner.&nbsp; Sometimes the bill would be $800!&nbsp;&nbsp;</P> <P>&nbsp;</P> <P>I didn't know at the time&nbsp; how much&nbsp; credit card debt limited the amount of a mortgage loan we could receive! Lesson learned!</P> <P>&nbsp;</P> <P>Is there something you would tell your younger self? Share your confession!&nbsp;</P>
</description>
<pubDate>Mon, 11 Feb 2019 22:34:55 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/your-money-stories/discussion/credit-card-roulette/01/12260#M1
</guid>
<dc:creator>JoyC</dc:creator>
<dc:date>2019-02-11T22:34:55Z</dc:date>
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