Yes im stupid and should’nt have put myself in this situation
I usually send my Fidelity tax forms to my CPA and let them handle the tax filing. However I happened to look at last years filing and realized there are no HSA contributions attributed on any of my forms. Not from 2022, 2021, and 2020.
I’m under my parents insurance and have been putting the max in every year and have around $30,000. However it seems that none of that was reported.
So my question is… 1) can I addendum my previous tax returns to account for those so I get those years actually tax reduced? 2) if I can’t, can I just take out the funds and put them in my brokerage since they were never reported and my income wasn’t tax reduced by those contributions?
Edit: it is confirmed those years did not have anything written off for HSA contributions, so my gross income was not reduced.
original posted by BIGBIRD_65 to r/personalfinance on Wed, 28 Feb 2024 10:11:40 GMT.