Quite frustrated now regarding the emergency funding. Learned that even though the IRS has my banking information from last year’s tax payment, I still need to provide the same account in order to have the money direct deposited. Have been on the IRS site, as instructed, to update this information and receive the information on your account is unavailable notice. Guess we’ll just wait until sometime around Christmas to get one of FFVCS’s endorsed checks. Just don’t understand it. The IRS HAS my banking information. What is the freakin’ problem? And, yes, not filing for 2019 until July because we owe again. Not much but it’s not like it will make any difference in terms of the emergency funding. Sigh..