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If you’ve ever used Venmo, Cash App, or PayPal to split dinner, pay rent, or send money to a friend, this matters. Payment apps can issue a 1099-K if your transactions hit certain thresholds. That form gets sent to the IRS and shows payments received under your name. The problem is, not all of those payments are actual income. Some are just reimbursements. Before tax season surprises you, log in to IRS.gov and pull your tax transcript. It shows what’s been reported on your behalf, including W-2s

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