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@fooldani From https://www.ssa.gov/benefits/retirement/planner/taxes.html file a federal tax return as an "individual" and your combined income* is between $25,000 and $34,000, you may have to pay income tax on up to 50 percent of your benefits. more than $34,000, up to 85 percent of your...

@waiwai25 The W4 has instructions, have you read them?

@waiwai25 Do you understand what makes up your Refund?

@jackih https://www.investopedia.com/retirement/roth-vs-traditional-ira-which-is-right-for-you/ https://www.investopedia.com/mega-backdoor-roth-401-k-conversion-5210877 I don't know https://www.investopedia.com/terms/h/hdhp.asp

@richst6616 If your W-2 has the wrong SSN on it the employer needs to issues uyou a corrected w-2 with the correct SSN.