The Dr. Friday Radio Show

Welcome to the Dr. Friday Radio Show! In this episode, we have tax expert Dr. Friday take on the latest tax updates, answer the caller's questions, and talk over the following topics:

and much more!

Announcer 0:01 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the How-To Girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

John Haggard 0:27 Live from America's Music City. It may be Saturday where you are but it's Friday, all day, every day all the time with the tax doctor, the tax lady, the doctor of accounting known in these parts of America as the Dr. Friday. Ladies and gentlemen, right here she is Dr. Friday. Hello there, Dr. Friday.

Dr. Friday 0:50 Hello, John. And thank you as always for stepping into the studio for us sometimes when I can't get in. So I appreciate it.

John Haggard 0:58 Always glad to be here we like to talk about money because you know, money is the number one cause of divorce, they say and there's so much going on with money. It's a great topic. So I'm always glad to be here, because you know if I can get it if I can get a tip from you. Because why do I want to pay more when I can pay less?

John Haggard 1:16 So Dr. Friday's here to give us all the answers to those types of questions. So that's a good deal. And folks if you are tuning in for the very first time because we have so many new people moving into Nashville from Chicago and San Francisco and New York and Philadelphia and Oregon and parts all over the place.

John Haggard 1:34 This is the Dr. Friday show. And the cool thing about Dr. Friday is she's an enrolled agent with the Internal Revenue Service. And some of you say, "Let me run, I don't want to run into the Internal Revenue Service!" No, she does not work for the Internal Revenue Service. But she can represent you like an attorney would in a court of law. So if you're in some trouble, or you haven't filed in the last 10 years, and I've met the dream person in my life and this person is making a lot of money and I don't want to get him or her thrown into jail or something like that.

John Haggard 2:06 Anyway, Dr. Friday can get you out of so many jams and you would never have to talk to the Internal Revenue Service again. So when we say live, that means you can jump on the phone and ask any question at all. Dr. Friday's got the answers here. Anything about taxes, stuff that's been bugging you.

John Haggard 2:22 Like for example, you know, how long does the IRS have to collect money? I owe them if I have not ever received a, as Dr. Friday calls it love letter, that, "Hey, you owe this." So we'll answer all kinds of questions. Here's the number to call right now only here until three. So you know don't say, "I'll call in a minute" because a minute becomes an hour and then you don't get an answer.

Welcome to the Dr. Friday Radio Show! In this episode, we have tax expert Dr. Friday take on the latest tax updates, answer the caller's questions, and talk over the following topics:

and much more!

Dr. Friday 0:00 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the How-To Girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:29 Good afternoon, this is Dr. Friday, and moving along here. It's a crazy Saturday for me, I imagine all of you guys are probably out there working, it's a pretty day outside. But anyway, today we're going to talk a lot about what I love talking about, which is taxes. Also a little bit about the offer and compromise process. Because we've had a lot of individuals that are getting to a point, I think, you know, 2020 was a very difficult year for many people. But people are now getting back on their feet, and they're wanting to deal with the IRS.

Dr. Friday 1:05 And they're like, I don't know where to start, I don't know how to start. And just for everyone that's maybe never heard of who I am Dr. Friday, or just tuned into the radio show. I'm an enrolled agent licensed by the Internal Revenue Service to be represented in taxes. So basically, it's all I do.

Dr. Friday 1:21 So if you have received the love letters, or if you have, you know that you have unfiled tax returns, you know, there are issues that need to probably be dealt with. This is what we have to start with when we talk about doing an offer in compromise is not just a matter of filing a 433 A or B depending if your business or not.

Dr. Friday 1:42 It really comes down to first and foremost getting you in compliance, it is so important that you are in compliance because the first thing the IRS really is looking for everyone always thinks it's the money. But that's not true. What the IRS is really wanting is for people to start filing their taxes on time.

Dr. Friday 1:59 And yes, of course paying their taxes. But if you have gotten behind, a lot of times divorce, other things have happened in life, and you ended up getting yourself behind, it happens. And what the IRS would want you to do is to file back up to six years, sometimes further in that, depending on if they have assessed your taxes already for you. If they filed, the IRS can file taxes on your behalf, never probably a good thing.

Dr. Friday 2:25 But sometimes they will go back usually for the entrepreneur, at least in my world, it's usually people that have received 1099s, you haven't filed your taxes yet. So they'll be nice enough to file you as single zero and no deductions. And then they'll send you a collection notice saying, "This is what happens, this is where you're at."

Dr. Friday 2:43 So, that being said, what you basically need to make sure y

Welcome to the Dr. Friday Radio Show! In this episode, we have tax expert Dr. Friday take on the latest tax updates, answer the caller's questions, and talk over the following topics:

and much more!

Announcer 0:01 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the How-To Girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:30 Good day, I'm Dr. Friday, and the doctor is in the house. What a beautiful first Saturday of July. A bit nippy out there, my best bit hot out there. I was doing some yard work earlier, and I'll let you know a little rain came down. So that cooled it down. So if you want to join us today, we're going to be talking about obviously my favorite subject, taxes.

Dr. Friday 0:52 We still have taxes that many people may have filed extensions for the year 2021. And we're going to talk a little bit about 2022. And also, we want to talk a little bit about amended returns. Because I know that the IRS has put out a new thing on June 11, so this is back a little bit. But on June 11, the agency said they had 2.1 million unprocessed amended tax returns. Normally it will only take them 16 weeks to handle an amended return. Now they're saying it can take 40 or 50 weeks.

Dr. Friday 1:29 So we're looking at basically a year to process an amended return, which sits perfectly with my cases where we had filed an amended return. We finally just got the notification. They showed that they received it, and it was processed practically a year ago. And now they needed additional information. So not only did it take them a year to actually get us a letter saying that, that they needed information, but it took that long for it to get in. You can go to irs.gov, click on "amended or corrected returns," and you can look to make sure at least then you'll see that the returns are in the system.

Dr. Friday 2:08 And the sad part of this conversation is throughout that whole year. We have received probably four to five love letters from the IRS trying to make collections for something that we are correcting for this client. And in the big picture, they don't owe any money, they actually have a refund coming back. But meanwhile, they keep getting letters that the amount due is larger and larger. We continuously submit copies of the amended return back to the IRS, we contact them and let them know that we are in the process of dealing with the IRS. But you know it in all honesty, it doesn't seem to make a lot of difference.

Dr. Friday 2:47 I think they're just far behind on the letters that we're mailing back, and getting a hold of someone on the phone is very difficult. So we usually try to certify copies. So we can prove that we are in communication with the IRS, but it is a bit frustrating. So again, if you have a large number of amended returns that happened in the year 2020. A couple of reasons. One, we had serious storms that year. So we had some possible corrections for some people.

Welcome to the Dr. Friday Radio Show! In this episode we have tax expert, Dr. Friday, take on the latest tax updates, answer the caller's questions, and talk over the following topics:

and much more!

Announcer 0:00 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the How-To Girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:29 Good day I'm Dr. Friday, and I'm live here in the studio. So if you've got a question, it's actually a gorgeous day outside, playing in the dirt or morning enjoying myself. And you know, the weather isn't too bad as long as the shades out there, I guess I should say.

Dr. Friday 0:46 So if you have questions, you can join us live here in the studio at 615-367-0819. 615-367-0819 that's the number we're looking for 615-737-9986 Sorry about that guys getting confused with my own direct line. And you can call us live here in the studio if you want. If you've got questions concerning taxes.

Dr. Friday 1:18 I can tell you that I have a number of emails for individuals that have still not received their refund, be it either their regular 2021 refund and/or their stimulus money even though they filed their taxes. They're getting rejection letters, saying that they've changed their tax return because the IRS is saying that they did receive this letter.

Dr. Friday 1:42 Now I'm going to be quite honest with you, we are working with the tax advocate office, we are trying to find ways to be able to get a better resolution because right now if you were to call in, they're going to tell you that the cheque was sent to you or that you received it on this day. And that's as much information as you're going to get. And for many people, they're like, "I never did get it and never received it. I never cashed it."

Dr. Friday 2:09 So they are telling us that they are reconciling the payments as they have come back to them. And then they will be, I'm assuming, there'll be resubmitting back out those payments, but we haven't received a resolution on that to know that for a fact. So just as a point of interest, my suggestion for anyone that hasn't received their refund, I would check.

Dr. Friday 2:37 Actually, if you haven't been online for a while, because I have a number of people that we failed two and three years at a time, you can check your refund now for 19, 20, and 21. When you click on "Where's My Refund." So if you're looking for more than one year's refunds, you now can do that that's new, they didn't use to have that they used to only have the year in which we were operating. So this case is only in 2021.

Dr. Friday 3:02 But I would go to IRS.gov, and click on "Where's My Refund." And I would then go ahead and find out where your actual refund from your tax preparation for the year 2021. They are also sending everybody on to the IRS. And you can check the status of your stimulus in all three of them. But you do have to be able to sign on through the IRS website.

Dr. Friday 3:29

Welcome to the Dr. Friday Radio Show! In this episode we have tax expert, Dr. Friday, take on the latest tax updates, answer the caller's questions, and talk over the following topics:

and much more!

Dr. Friday 0:00 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the How-To Girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:30 Hey, I'm Dr. Friday, and the doctor is in the house. We are here live in the studio. So if you've got questions, and you've been working on some tax issues or problems, or maybe you're just trying to figure out how to deal with some of those problems, this is the show you want to listen to. And hopefully, I can get you in the right direction.

Dr. Friday 0:49 We always try. Call 615-737-9986 is the number here in the studio is 615-737-9986 is the number. So if you want to join us, you can basically what we want to talk about a little bit today is, you know what should we be looking at for 2022. We are now five months into the new tax season, we haven't had a lot of current tax changes, or things that are going to go into effect. So pretty much your tax planning will be consistent with what's happened in 2021, give or take a few minor adjustments to the cost of living.

Dr. Friday 1:26 But it's always very important, especially with the current changes that we have happening in real estate and stocks. We all know the stock market right now has come down quite a bit. So many of you are some of you may be looking at potential stock losses. If you're like me you're holding and waiting for that to hopefully bounce back so that I won't affect any of my tax losses. But sometimes a tax loss could help if you had large capital gains.

Dr. Friday 1:56 And I want to put a caveat out there, I am not a financial planner, I am totally talking about taxes, and how to potentially save on tax dollars, never take a tax loss just to save tax dollars. Because anytime I'm talking about a tax loss, in most cases, you would be losing the value of your tax bracket.

Dr. Friday 2:17 So for example, if you have a $10,000 tax loss, a physically lost $10,000, and you're in the 20% tax bracket, you would only save $2,000 in tax dollars. So never a good idea to just go lose money just so you can save money. Now sometimes you can by having a loss, it could kick you into a lower tax bracket, or things like that.

Dr. Friday 2:41 So it may help help you even more than a few 1000. But all in all, it's never a $ 1-for-dollar loss. So always make sure you're consulting with a financial planner if this is something that's going to have a major effect on your finances, right? Because, again, if you're only talking to someone like myself, an enrolled agent, that's what we do is taxes, we do representation, I'm not looking at what's going to be happening in the big picture under my expertise.

Dr. Friday 3:11 My expertise is how to save you taxes today, tomorrow, or in the future. I had a really interesting c

Welcome to the Dr. Friday Radio Show! In this episode, we have host, John Haggard, and tax expert, Dr. Friday, take on the latest tax updates, answer caller's questions, and talk over the following topics:

and much more!

Announcer 0:00 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the How-To Girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

John Haggard 0:28 Live from America's Music City. It may be Saturday where you are but it's Friday, all day, every day all the time with the tax doctor, the tax lady, the doctor of accounting, ladies and gentlemen, known in these parts of America as Dr. Friday. Right here she is. Dr. Friday, how are you?

Dr. Friday 0:49 I am awesome. What an intro. That's why I love having you do my shows. Because John, you really know how to bring in an intro.

John Haggard 0:57 Well, I'll tell you what, you are the one. And that's why we like to do this because folks who have questions who have been running from, who haven't, you know, filing an income tax return in 10 years, because they think, "Well, you know what, I ain't done it in 10 years, what's another 10 gonna be?"

John Haggard 1:13 They're gonna learn some things today from Dr. Friday, that could save you a lot of trouble. I'm going to just promo one thing folks, you're going to hear especially those of you who are new to Nashville. If you have not met or heard of Dr. Friday, and you're just tuning across the internet, or maybe hear on the radio, especially the folks from California and Chicago and New York and Philadelphia and other markets.

John Haggard 1:36 We're meeting new people, it seems like every week in Nashville, as people move here, I'm gonna give you something here that you might want to know. If you are one of those who hadn't filed an income tax return or let's say, you know, you've gotten the last as Dr. Friday would call it "love" letter. And now including taxes and interest and penalties, you owe a million dollars.

John Haggard 2:01 And you say, "You know what? I mean, forget it, you know, I'm just gonna go off the grid. There's no way." I'm going to tell you this. And we'll prove it later, in that particular case, Dr. Friday had client folks who owed over $1 million, not a typo. I said $1 million. And you settled it for about what Dr. Friday?

Dr. Friday 2:21 A little over 100,000. Just right around 102,000.

John Haggard 2:27 Now, you know, folks, I mean, every case is different. But imagine that? How would you like to be staring at that? Or maybe you're staring at a bill that's 500,000 or 100,000? Or it could be 25,000? Anyway, it's more money than you've ever got. You don't think you could ever make it? That's the type of work she does.

John Haggard 2:42 Do you know why? Here's one of the things you should know, and listen very carefull

Welcome to the Dr. Friday Radio Show! In this episode, Dr. Friday takes on the latest tax updates, answers the caller's questions, and talks over the following topics:

and much more!

Announcer 0:01 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the How-To Girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:30 Hey, I'm Dr. Friday and the doctor is in the house. And we are here live in studio to enjoy this kind of overcast Saturday, it's not the most crazy, but tomorrow is Mother's Day. So for all of you that are mother's or step mom's and all the other kinds of scenes that go along with that people that have helped raise wonderful kids. Well, hopefully tomorrow, you'll have a wonderful day.

Dr. Friday 0:54 So I know I have one of the best moms in the world and I miss her everyday. So hopefully you guys will enjoy, weather is going to be beautiful tomorrow, according to my chart. So that will be a great thing to do. All right, today, we're gonna talk a little bit about taxes, maybe prepping for the 2022 tax year, we've already been taking several meetings. Because with all the real estate sales and inheritance and people retiring, it just seems like there's quite a few choices and decisions people need to make.

Dr. Friday 1:25 And sometimes if you don't make those decisions in advance, they will be made for you. I mean, it's really what it comes down to. So what I'm saying is, if you haven't sat down and kind of plan, "Okay, I'm gonna sell this house. So I have a $250,000, I've lived in a two out of the last five years. So I'm going to move into a new house." And if you're single or married, and in that case, you would basically have zero tax, if it was your primary home, if you're married, you can have up to $500,000 exclusion.

Dr. Friday 1:54 But keep in mind, in some cases, people were maybe self employed, and you use your home and maybe you depreciated your house, during the time that you had a home office, then you might have some recaptured depreciation, I have probably just in the last month talked to four or five people that are selling their rental real estate, in which of course, we have the recapture of depreciation.

Dr. Friday 2:17 And you know, and of course, the capital gains on that one, depending on how much you make, it's going to be anywhere between 15% and 23.8%, there is a 0% capital gains rate. So just letting you know, but it's not as easy to do I mean, you'd have to be making 50,000, including the capital gains for a single person total income under 50,000. And a married couple under 100,000, basically, and that, again, would include the capital gains.

Dr. Friday 2:45 But if you do have that and get remember, capital gains is something that is a year and a day, right? Anything that's called long term capital gains, really only capital gains is when we actually have it for more than a year in one day. Otherwise, it's taxed at ordinary income rates. So just you know, in that, obviously can fluctuate all the way up to what 37%.<

Welcome to the Dr. Friday Radio Show! In this episode, Dr. Friday takes on the latest tax updates, answers the caller's questions, and talks over the following topics:

and much more!

Announcer 0:01 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the How-To Girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:30 Good day. I'm Dr. Friday and the doctor is in the house. Boy, we made it through the initial tax season, I guess is what we usually like to think of it as. But keep in mind that there are many counties, Davidson Decatur, Dixon, Dyer, Gibson, Henderson, about 22 different counties to be quite honest, that are still actually active until May 16. Even if you did not file an extension, you have an extension because of the disaster victims of the fear storm and straight line winds that fell into those counties.

Dr. Friday 1:03 So if you haven't filed, there's still time to go ahead and get them filed. And make sure you have those going on. Even the biggest thing is obviously making those payments. So that's very important. So if you haven't done it, you might need to do that. If you want to join the show, you can 615-737-9986. We are taking your calls talking about taxes and things that are going on. I know that for many people, the IRS is still there's some delays out there.

Dr. Friday 1:38 So just the best advice I can say is if you did send your tax returns in in January or February, and you still have not received your payments or refund, then I would say it's time to probably contact the IRS unless first thing I would do is probably go to irs.gov, check your refund, find out if the refunds there and then go from there. As far as where, you know, if it says it's still pending, that may mean that they're still trying to match information.

Dr. Friday 2:09 I know we had a case that we just had spoke to the person this morning, where the IRS, they did not think about the fact that they were in the marketplace. But they were and or the IRS came back and said we can't process the return because we're looking for the 8962, which has to do with insurance from the marketplace. And this individual realized that they did have a couple months before his wife went on to Medicare, that they may have had the marketplace.

Dr. Friday 2:36 So they're going to be able to go back and look at that. So these kinds of things are what's happening and how it comes down. So you need to make sure that you are dealing with your issues. I mean, what you hear here or any other situation, not always the same situation. But it is important that you're able to take the time, make the information and then use it to the best of your ability, everyone's situation is a little bit different. So just want to make sure that we're all on the same page, and that we're able to get your information to the IRS.

Dr. Friday 3:09 If you could not file electronically for some reason. Some people did have some problems. I know I've g

Welcome to the Dr. Friday Radio Show! In this episode, Dr. Friday takes on the latest tax updates, answers the caller's questions, and talks over the following topics:

and much more!

Announcer 0:01 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the How-To Girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:30 I'm Dr. Friday and the doctor is in the house, and yes, it is crazy busy for all of you that tried to reach us on Friday thinking that that was the last day to file an extension or make a payment. Hopefully you got through to realize that isn't the case, kids. We have until Monday, it was actually Emancipation Day for tax people. Of course, it was Good Friday for a lot of us.

Dr. Friday 0:55 But we did have until that time. So Monday is our last day to file for an extension or in those situations. I say that but we also have in some counties, tornadoes, straight winds, basically federal disaster situations that came about and many of you will actually have if you're in one of the counties that actually have that. And I would double check to make sure you have that ruling.

Dr. Friday 1:26 You have until . So in some cases, some people get a little extra window there of time, just want to make sure that you don't miss the window of filing your tax deadline. federal disaster areas do give us a little extra time again, it's May 16 2022. There are certain counties, and that is because of severe weather. So if you have a question you want to join the show, you can do that easy enough 615-367-0819.

Dr. Friday 2:06 I also want to remind all of you that our LLC S corporations, single member LLC, as many of you may have filed federal tax extensions. But remember, the state of Tennessee does have what's called franchise excise many of you need to go in, we've always done you can do it by paper. It's an FAE 173 form. But you can also they said this form is not required to be filed that the taxpayer has already paid the required payment to receive the extension. The payment is required depends on the dollar amount, obviously, required payment would be equal to 100% of the prior year, or 90% of the current year liability.

Dr. Friday 2:50 So that's the only way you're going to basically get an extension in the state of Tennessee anyway. So if you're not sure the minimum is $100. After that, if you know what you paid the year before ideally making that payment on or before Monday would be an ideal situation for you. So that way you can make sure that you're going to have what you need. If you want to join the show you can 615-737-9986. We are taking your calls, dealing with what we need to deal with when we're going in there.

Dr. Friday 3:28 And then we also talked a little bit about the May 16, 2022. individuals affected by severe storms, straight line winds, tornadoes that recited or have businesses in Cheatham, Davidson Decatur, Dixon, Dyer, Gib

Welcome to the Dr. Friday Radio Show! In this episode, Dr. Friday takes on the latest tax updates, answers the caller's questions, and talks over the following topics:

and much more!

Announcer 0:00 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the How-To Girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:27 All right, the doctor is in the house and we are counting down we are in April. Everyone, Tax Day is April the 18th. That means if you're a procrastinator and you're like, "Oh, I'm going to file my taxes on time," you might want to think about preparing for those tax returns.

Dr. Friday 0:43 There's a few extra questions, you need to make sure you do have your advanced child tax credit information, you need to make sure that you have you know, your 1400 or your stimulus money that you received it or not. And I'm telling every single person seriously, I've had more than one person that has come and said, "No, no, no, I would have known if that $1,400."

Dr. Friday 1:03 Or it could have been a maybe not exactly 14, depending on your income bracket. That does means test out. So some people had less than 14 when they went looking, but it will say EIP 3 or, you know, basically it's the third stimulus check. And so it will say that the other ones for the children will say CTC, child tax credits.

Dr. Friday 1:25 And again, a lot of people are saying, "Oh, no, no, I didn't get it."And I will say least on the Child Tax Credit, if you didn't receive it, it's able to be put in, in you know, theoretically. And if you received it and the child is not your dependent this year, it will become income to you. Now on the stimulus money.

Dr. Friday 1:47 That is not the case, if you received it and you were not entitled or if you did not receive it. It's not taxable. I am just telling you last year, we held up a lot of tax returns because people kept saying, Oh, I didn't get especially the $600 even though we were specifically saying it probably hit in January, a lot of people said, "No, no, no, I didn't get it. Last year, I didn't get it."

Dr. Friday 2:09 And then the IRS changed the tax return. We don't want to do that. In fact, if you're my client, most of you guys will know that I pacifically tell you, we will claim it because the only way for you to get your stimulus money, if you did not receive it through the mail are in a direct deposit is to file a tax return.

Dr. Friday 2:27 So we will file it and we'll claim it on the tax return. But I will use the if there's money do suggest my client pay the money do and then wait for that refund check to come back versus claiming them and it will reduce the amount due and then if they disallow it because they say you did receive it, or your parents received it because you were a dependent last year for them, or the bank account you had was not correct on the tax return they had in 2020.

Dr. Friday 2:57 And the bank still has to reject it. Any of those things could have happened. Then, you know, you'll have to chase it afterwards. But the first thing you need t