Owning $500 is perfect

Good job

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We’d need all of your W-2 numbers to verify. Very possible that you owe.

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What is your gross income, federal withholding, and FICA withholding at YTD?

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We need the exact withholding amounts.

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Some time in Jan they will up date the IRS withholding calculator https://www.irs.gov/individuals/tax-withholding-estimator

It will tell you how to up date your W4.

By my calculations, you’ll owe about $70.

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You'll have to adjust your withholding amounts. Since you had 3 different jobs, it sounds like it wasn't withholding correctly since each job assumed you didn't make any other income for the year. If you switch jobs during the year, you have to correctly indicate on your W-4 so that the new employer knows how much to withhold.

Yes if you sell off some stocks that are worth less than when you bought them you can deduct of to 3k of losses off your ordinary income so that would probably make it to where you didn't owe anything

You can… but it also seems very possible to come up with $500 between now and April.

[deleted]

Then sure, go ahead and tax loss harvest those. Can claim up to $3000 in losses.

Saw elsewhere that you were worried about having the cash to pay it off. Would strongly look into setting up a payment plan with the IRS.

https://www.irs.gov/payments/payment-plans-installment-agreements

[deleted]

Then you might as well harvest as much of your losses as you can and get a refund, yeah?

Irs gave you a free loan. That’s excellent.