NUMBER CRUNCHER LLC

NUMBER CRUNCHER LLC Candy Stevens, EA, owner of Number Cruncher LLC, provides IRS representation and tax resolution services for individuals and businesses.

Serving the Las Vegas area and clients nationwide.

Thought you had your IRS situation under control?  A river adventure shows why asking for help early can save you time a...
07/18/2026

Thought you had your IRS situation under control? A river adventure shows why asking for help early can save you time and stress.

A friend and I decided to float a section of river we'd never been on before. We thought we had all the information we needed and figured we'd be done in about three hours.

The river was absolutely beautiful. We practically had it to ourselves. We watched an eagle soar overhead, saw muskrats, pelicans, a blue heron, and fish jumping. It was peaceful and relaxing.

Three hours later we checked Google Maps.

We were only halfway. 😳

We both panicked a little because it was getting late.

After calming down, we searched the map for another place to get out. I called my dad to come rescue us, and we paddled across the river toward the exit spot

That exit happened to be beside someone's house.
We hurried through their yard, wondering if someone was about to come outside to yell at us. We reached the road and saw a sign:

"No Trespassing."

We looked at each other and laughed.

"We're those people."

My dad picked us up, and now it's just another adventure to add to our story collection.

It reminded me of IRS problems.

People think they have all the information they need. Then one day they discover they're much farther into the problem than they ever imagined.

You don't have to keep drifting and hoping things get better. Sometimes the smartest thing you can do is call someone who knows how to help.

If you're feeling overwhelmed by an IRS problem, I'd love to help you find your way back to solid ground.
Use this link to schedule a time for us to visit: https://calendly.com/numbercruncherllc-07/consultation

Email me at: [email protected]

Download this free guide: https://245053943.hs-sites-na2.com/what-happens-if-i-owe-the-irs-money-lead-magnet

Have you ever had an adventure that didn't go quite the way you planned but makes you laugh now?

Yesterday, Freckles and I went for a bike ride.  I rode my bike; she ran free.  This is the best way I know to have her ...
07/16/2026

Yesterday, Freckles and I went for a bike ride. I rode my bike; she ran free. This is the best way I know to have her work out some of her energy. As we were riding along, we saw three deer.

I was able to stop Freckles from chasing the first two. She really wanted to go after them, but she listened. I even stopped long enough to take a picture before we continued on.

I started biking up a hill.

I don't know about you, but I'm usually more focused on making it up the hill than anything else. I was concentrating on pedaling, and Freckles ran ahead of me. I didn't think much about it because I figured the deer had already disappeared.

When I reached the top of the hill, I looked over into the wheat field. There was one of the deer, bounding through the field. Far behind it was Freckles. She wasn't just running. She was leaping through the wheat just like the deer.

Even though I was upset that she had taken off after it, I couldn't help but laugh. Watching her leap through that field was pretty funny.

Eventually she came trotting back to me. By then, too much time had passed for scolding to do any good. The moment had come and gone.

I realized that Freckles reminded me of something I see with taxpayers all the time. I was so focused on getting up that hill that I quit paying attention to what was happening around me.

Life has a way of doing that. We're focused on work. We're taking care of family. We're paying bills. We're trying to make it through another busy week.

While we're focused on all of that, something else quietly slips away. Maybe it's an IRS notice that gets set on the counter with the intention of reading it later. Maybe it's a tax return that never gets filed because life got busy. Maybe it's a balance due that keeps growing because there always seems to be something more urgent.

Most IRS problems don't happen because someone is trying to ignore the IRS. They happen because life gets in the way.

Then one day, just like I looked up and saw Freckles chasing that deer, people suddenly realize their tax problem has gotten much farther away than they ever intended.

There are warning signs along the way. If you catch them early, they're almost always easier and less expensive to fix.

If you've been meaning to deal with an IRS notice, file a missing tax return, or find out what your options are, don't keep putting it off because life is busy. The sooner you deal with it, the more options you'll usually have.

I help people every day with IRS issues, so feel free to contact me at [email protected] or use this link to schedule an appointment. https://calendly.com/numbercruncherllc-07/consultation



Quick question, Have you ever received an IRS penalty and thought,"I wish they'd just realize I've always tried to do th...
07/15/2026

Quick question, Have you ever received an IRS penalty and thought,

"I wish they'd just realize I've always tried to do the right thing."

The IRS is making a change that does exactly that.

Beginning this summer, the IRS is introducing a new Automatic Exemption from Penalty program.

In the past, taxpayers could ask for the First Time Abatement of Penalty every 4 years, but they had to know about it and request it.

Now, if you qualify, the IRS plans to automatically remove certain penalties without you having to ask.

That's one less phone call.

And one less thing to worry about.

The new program generally applies to taxpayers who have filed and paid on time during the previous three years.

Keep in mind, this doesn't eliminate taxes you owe, and interest will still apply when applicable. It also doesn't cover every type of penalty.

But for many taxpayers, this is a welcome improvement and a step toward making the process a little easier.

I don't often get to post about good news from the IRS, so I thought this one was worth sharing.

Confused about what the IRS counts as expenses? Here are 5 FAQs:1️⃣ What are national standards? (Fixed amounts for basi...
07/14/2026

Confused about what the IRS counts as expenses? Here are 5 FAQs:
1️⃣ What are national standards? (Fixed amounts for basics)
2️⃣ What are local standards? (Housing & transportation caps by region)
3️⃣ Can I claim actual expenses? (Only if justified)
4️⃣ Are medical costs included? (Yes, with proof)
5️⃣ Does childcare count? (Sometimes, if necessary for work)
πŸ‘‰ Get full details here: https://activerain.com/droplet/JJKw
πŸ“ž Let’s make sure your expenses are reported correctly. 702-533-8984 or [email protected]

Wondering what the IRS can actually do when taxes are owed? Start with this guide:
https://245053943.hs-sites-na2.com/what-happens-if-i-owe-the-irs-money-lead-magnet

I had a client who took out over $100,000 from their 401 (k) for personal uses.  They were retired and wanted to enjoy l...
07/13/2026

I had a client who took out over $100,000 from their 401 (k) for personal uses. They were retired and wanted to enjoy life before their health didn't let them anymore. They had taxes taken out of the distribution, so they thought they were with the IRS and went about enjoying themselves.

The 1st mistake my client made was not consulting me before they withdrew funds from their retirement. I have found that most people don't understand how withdrawing funds from retirement funds affects their tax liability. They think that because 10% is already paid in taxes, they are good.

My client discovered at tax time that their tax liability was a lot higher than they expected. They were not happy with me because their financial advisor told them that taxes were withheld out of the distribution, so they should be covered.

I had to explain to them that not only do they owe tax on the distribution itself, but the distribution increased their taxable income and put them in a higher tax bracket. Because of this, their overall taxable income was higher than in years past.

They were over 59 1/2, so they didn't have the early withdrawal penalty. Their withdrawal didn't qualify for any exemptions.

Common exceptions include:

Medical expenses that exceed 7.5% of your adjusted gross income
First-time home purchase (up to $10,000 from an IRA)
Disability
Qualified higher education expenses
Substantially Equal Periodic Payments (72(t) distributions)
Separation from service during or after the year you turn age 55 (401(k) plans only)

Each exception has its own rules and documentation requirements.

Sometimes using retirement money is absolutely the right decision. But it should be a planned decision, not one made over a five-minute phone call.

I've seen far too many people receive an unexpected tax bill they can't afford because of withdrawing funds from a 401 (k) without consulting their tax preparer first.

If you're thinking about taking money from your retirement account, or you've already taken a withdrawal and you're worried about the tax consequences, speak with your tax preparer!

If you have a large tax liability because of a retirement withdrawal and you don't know how you are going to pay it, download my free guide to see how the IRS collections process works: https://245053943.hs-sites-na2.com/what-happens-if-i-owe-the-irs-money-lead-magnet

Use the following link to schedule a time for us to visit about your IRS Problem: https://calendly.com/numbercruncherllc-07/consultation

Part 2After making it to Idaho with my camper, dog, and cats in tow, my transmission started acting up. The mechanic who...
07/11/2026

Part 2

After making it to Idaho with my camper, dog, and cats in tow, my transmission started acting up. The mechanic who rebuilt it was 700 miles away, and after some troubleshooting by my Dad and brother, we discovered the problem only showed up under load.

That meant I had to limp the truck all the way back south in the middle of August. Not exactly how I wanted to spend my summer.

The culprit? A defective torque converter.

Problem solved, right?

A few weeks after returning to Idaho, the transmission started jerking whenever I backed up the camper. As the summer went on, reverse became weaker and weaker until I couldn't back the trailer up at all.

When I got home in the fall, back to the mechanic I went.

This time, the reverse clutches were defective.

In six months, my transmission was rebuilt and repaired twice.

By then, I think the mechanic was as tired of seeing my truck as I was tired of bringing it to him.

Fortunately, the third time was the charm.

Well... almost.

One day while towing my camper, the truck suddenly wouldn't start. Lights worked. Dashboard worked. Turn the key... nothing.

I was convinced something transmission-related had failed again.

I crawled underneath the truck and found a loose electrical connector hanging near the transmission. I had absolutely no idea what I was looking at, and electricity makes me nervous.

After working up some courage, I plugged it in.

The truck started immediately.

Turns out a retaining clip had broken, allowing the connector to come loose.

Since then, everything has worked perfectly.

The truck has hauled balloon trailers, camping trailers, and plenty of adventures.

Now I'm getting ready to hook up the camper and head north for another summer.

After everything this truck and I have been through together, I'm really hoping this year's road trip doesn't involve any surprise visits to a transmission shop.

Wish me luck!

The IRS already has a story about you.  It's called your IRS transcript.Most people have never seen one, and honestly, t...
07/10/2026

The IRS already has a story about you. It's called your IRS transcript.

Most people have never seen one, and honestly, the words "IRS transcript" make a lot of people nervous.

Official IRS documents have a way of making your stomach drop before you've even opened them.

An IRS transcript isn't a punishment. It isn't the IRS judging you. It's simply a record of what the IRS has on file.

Think of it like a bank statement. It shows what was filed, what was paid, penalties and interest, and what the IRS believes is currently owed.

That's why I always start there.

I've had clients who were convinced they owed much more than they actually did. Others discovered mistakes that could be corrected.

An IRS transcript replaces fear with facts. Once you know where you stand, you can stop guessing and start making a plan.

πŸ‘‡ Have you ever requested your IRS transcript?

πŸ“– Read the full blog here: https://activerain.com/droplet/JXT9

Schedule an Appointment: https://calendly.com/numbercruncherllc-07/consultation

Download Free Guide: https://245053943.hs-sites-na2.com/what-happens-if-i-owe-the-irs-money-lead-magnet



One of my clients, whom we'll call Ron, came to me feeling completely overwhelmed.He hadn't filed tax returns for severa...
07/09/2026

One of my clients, whom we'll call Ron, came to me feeling completely overwhelmed.

He hadn't filed tax returns for several years, and the state had begun levying his bank account. To make matters worse, the state estimated what they thought he owed based only on the 1099-MISC forms they had received.

Here's the problem: those forms only show income. They don't show business expenses. That meant the state assumed every dollar was taxable income, which caused them to estimate a tax bill that was much higher than it should have been.

After reviewing his situation and pulling his IRS transcripts, I found that no federal returns had been filed since 2018.

Together, we reconstructed his income and expenses, prepared profit and loss statements, and filed all of the missing federal and state returns.

The result?

The amount he actually owed the state was significantly lower than their estimate.

More importantly, he finally knew where he stood. The uncertainty was gone, and we could begin moving forward with a plan.

IRS Lesson: If you don't file your tax returns, the IRS and your state may estimate what they think you owe. Those estimates often don't include deductions or business expenses that could substantially reduce your tax bill.

Have you ever been surprised by something the IRS or your state sent you in the mail?

Read the full blog here: https://activerain.com/droplet/JXMZ

If you're dealing with unfiled tax returns or IRS problems, I'd be happy to help you understand your options.

πŸ“… Schedule a consultation: https://calendly.com/numbercruncherllc-07/consultation

πŸ“„ Download my free guide: https://245053943.hs-sites-na2.com/what-happens-if-i-owe-the-irs-money-lead-magnet




"I don't have a spare bedroom, so I can't take a home office deduction."The truth is, the IRS doesn't require an entire ...
07/08/2026

"I don't have a spare bedroom, so I can't take a home office deduction."

The truth is, the IRS doesn't require an entire room.

What matters is whether you have an area that's used exclusively for business and qualifies as your principal place of business.

In fact, one tax article discussed how a business owner may qualify using an area about the size of a floor-standing file cabinet. The surprising part isn't the size. It's the exclusive business use.

Another benefit many people overlook is that a qualifying home office may allow trips from your home office to another business location to be treated as business mileage instead of commuting mileage.

That's why it's important not to dismiss the deduction simply because your home is small.
Question for you:

Before today, did you think you needed an entire room to qualify for a home office deduction?

Read the full blog: https://activerain.com/droplet/JXMX

Free Guide: What Happens If I Owe the IRS Money?
[Insert Lead Magnet Link]

πŸ“… Schedule a Free Consultation:
https://245053943.hs-sites-na2.com/what-happens-if-i-owe-the-irs-money-lead-magnet

Candace N. Stevens, EA
Number Cruncher LLC | IRS Problem Solver

702-533-8984
[email protected]
www.numbercruncherllc.tax




When applying for tax relief, the IRS reviews your allowable expenses, not every bill you pay.They use national + local ...
07/07/2026

When applying for tax relief, the IRS reviews your allowable expenses, not every bill you pay.
They use national + local standards for:
βœ… Food & clothing
βœ… Housing & utilities
βœ… Transportation
βœ… Healthcare
Luxury spending? ❌ Usually disallowed.
πŸ‘‰ Read the blog: https://activerain.com/droplet/JJFy
πŸ“ž Need help preparing your case? Book a consultation today. 702-533-8984 or [email protected]

If you’ve received an IRS notice about money owed, this guide can help you understand the process:
https://245053943.hs-sites-na2.com/what-happens-if-i-owe-the-irs-money-lead-magnet

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