{"id":298,"date":"2024-12-13T15:59:54","date_gmt":"2024-12-13T15:59:54","guid":{"rendered":"https:\/\/www.andrewsamaniego.com\/blog\/?p=298"},"modified":"2024-12-13T15:59:54","modified_gmt":"2024-12-13T15:59:54","slug":"the-irss-secret-list-living-expenses-they-actually-want-you-to-claim","status":"publish","type":"post","link":"https:\/\/www.andrewsamaniego.com\/blog\/the-irss-secret-list-living-expenses-they-actually-want-you-to-claim\/","title":{"rendered":"The IRS&#8217;s Secret List: Living Expenses They Actually Want You to Claim"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"788\" src=\"https:\/\/www.andrewsamaniego.com\/blog\/wp-content\/uploads\/2024\/12\/Tax-Debt.png\" alt=\"\" class=\"wp-image-299\" srcset=\"https:\/\/www.andrewsamaniego.com\/blog\/wp-content\/uploads\/2024\/12\/Tax-Debt.png 940w, https:\/\/www.andrewsamaniego.com\/blog\/wp-content\/uploads\/2024\/12\/Tax-Debt-300x251.png 300w, https:\/\/www.andrewsamaniego.com\/blog\/wp-content\/uploads\/2024\/12\/Tax-Debt-768x644.png 768w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Hello folks from Orlando! <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As I wrap up the final day of the Tax Rep Summit and prepare for my 5.5-hour flight back to my family in San Diego, I want to share something that might surprise you about the IRS.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Here&#8217;s a truth that often shocks my clients:<\/strong> The IRS doesn&#8217;t actually want to bankrupt you or put you on the streets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I know, I know. It might not feel that way when they empty your bank account without verbal warning. But here&#8217;s the thing &#8211; once you decide to become compliant, the IRS has a whole system of allowable living expenses they&#8217;ll let you claim before determining how much you can pay.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s break down what expenses the IRS will actually let you claim:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Housing and Utilities<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rent or mortgage payments<\/li>\n\n\n\n<li>Property taxes<\/li>\n\n\n\n<li>Insurance<\/li>\n\n\n\n<li>Gas, electric, water<\/li>\n\n\n\n<li>and more<\/li>\n\n\n\n<li>Pro Tip: These allowances vary by county and family size. San Diego&#8217;s housing allowance is significantly higher than many other regions.<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Transportation<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Car payment (up to a reasonable amount)<\/li>\n\n\n\n<li>Gas and oil<\/li>\n\n\n\n<li>Insurance<\/li>\n\n\n\n<li>Maintenance<\/li>\n\n\n\n<li>Public transportation costs<\/li>\n\n\n\n<li>Insider Knowledge: The IRS even allows ownership of two cars per household!<\/li>\n<\/ul>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>Food and Clothing<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Groceries<\/li>\n\n\n\n<li>Personal care items<\/li>\n\n\n\n<li>Apparel<\/li>\n\n\n\n<li>Services (like dry cleaning)<\/li>\n\n\n\n<li>Strategy Note: These are based on national standards, not your actual spending.<\/li>\n<\/ul>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>Healthcare<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insurance premiums<\/li>\n\n\n\n<li>Out-of-pocket medical expenses<\/li>\n\n\n\n<li>Prescriptions<\/li>\n\n\n\n<li>Key Point: Medical expenses are often allowed in full if documented properly.<\/li>\n<\/ul>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li>Other Expenses That Often Get Approved<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Child care<\/li>\n\n\n\n<li>Term life insurance<\/li>\n\n\n\n<li>Court-ordered payments<\/li>\n\n\n\n<li>Student loan minimum payments<\/li>\n\n\n\n<li>Some retirement contributions<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>But here&#8217;s where it gets interesting&#8230;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Just knowing these categories isn&#8217;t enough. The real skill comes in knowing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How to document each expense properly<\/li>\n\n\n\n<li>When to argue for expenses above standard allowances<\/li>\n\n\n\n<li>Which expenses can be combined or separated for maximum benefit<\/li>\n\n\n\n<li>How to time your financial statement for optimal results<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For example, last week I helped a client become declared &#8220;Currently Not Collectible&#8221; by properly documenting their San Diego housing costs and medical expenses. The IRS revenue officer initially pushed back, but because we knew the rules inside and out, we prevailed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Think of it this way: The IRS is like a strict parent with very specific rules about allowances. They&#8217;ll give you your allowance &#8211; but only if you ask correctly and follow their procedures.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ready to Stop Worrying About the IRS?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Option 1: Download my free guide at <a href=\"http:\/\/crushirsanxiety.com\">CrushIRSAnxiety.com<\/a> to learn more about how to handle your IRS issues, including a detailed breakdown of allowable expenses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Option 2: Email me at info@andrewsamaniego.com to schedule a consultation. Let&#8217;s review your specific situation and create a strategy that works for you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Bottom Line:<\/strong><br>Don&#8217;t let the IRS determine what you can and can&#8217;t afford without understanding your rights. Just like I&#8217;m heading home to my family in San Diego, you too can find your way back to financial peace of mind.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P.S. &#8211; The IRS&#8217;s allowable expense guidelines change regularly. The sooner you act, the sooner we can put together a plan that works for your situation.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Until Next Time,<br><\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"301\" src=\"https:\/\/www.andrewsamaniego.com\/blog\/wp-content\/uploads\/2024\/07\/image-1024x301.png\" alt=\"\" class=\"wp-image-94\" style=\"width:349px;height:auto\" srcset=\"https:\/\/www.andrewsamaniego.com\/blog\/wp-content\/uploads\/2024\/07\/image-1024x301.png 1024w, https:\/\/www.andrewsamaniego.com\/blog\/wp-content\/uploads\/2024\/07\/image-300x88.png 300w, https:\/\/www.andrewsamaniego.com\/blog\/wp-content\/uploads\/2024\/07\/image-768x226.png 768w, https:\/\/www.andrewsamaniego.com\/blog\/wp-content\/uploads\/2024\/07\/image.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Andrew \u201cHome-bound\u201d Samaniego, EA,<\/strong>\u00a0<strong>CTRC<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Andrew Samaniego Tax Planning &amp; Resolution<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"tel:(619)268-1084\" target=\"_blank\" rel=\"noreferrer noopener\">(619) 268-1084<\/a>&nbsp;&nbsp;|&nbsp;&nbsp;<a href=\"https:\/\/www.andrewsamaniego.com\/tax-planning-services\">AndrewSamaniego.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hello folks from Orlando! As I wrap up the final day of the Tax Rep Summit and prepare for my 5.5-hour flight back to my family in San Diego, I want to share something that might surprise you about the IRS. Here&#8217;s a truth that often shocks my clients: The IRS doesn&#8217;t actually want to [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":299,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[15,31,9,10],"tags":[16,21,14,11,12],"class_list":["post-298","post","type-post","status-publish","format-standard","has-post-thumbnail","category-back-taxes","category-non-filer","category-tax-debt","category-tax-resolution","tag-back-taxes","tag-enrolled-agent","tag-non-filers","tag-tax-debt","tag-tax-resolution","entry"],"_links":{"self":[{"href":"https:\/\/www.andrewsamaniego.com\/blog\/wp-json\/wp\/v2\/posts\/298","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.andrewsamaniego.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.andrewsamaniego.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.andrewsamaniego.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.andrewsamaniego.com\/blog\/wp-json\/wp\/v2\/comments?post=298"}],"version-history":[{"count":1,"href":"https:\/\/www.andrewsamaniego.com\/blog\/wp-json\/wp\/v2\/posts\/298\/revisions"}],"predecessor-version":[{"id":300,"href":"https:\/\/www.andrewsamaniego.com\/blog\/wp-json\/wp\/v2\/posts\/298\/revisions\/300"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.andrewsamaniego.com\/blog\/wp-json\/wp\/v2\/media\/299"}],"wp:attachment":[{"href":"https:\/\/www.andrewsamaniego.com\/blog\/wp-json\/wp\/v2\/media?parent=298"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.andrewsamaniego.com\/blog\/wp-json\/wp\/v2\/categories?post=298"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.andrewsamaniego.com\/blog\/wp-json\/wp\/v2\/tags?post=298"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}