It took 47 months for my 2016 refund to materialize.
I had 1 fone conversation with Ogden about 2 months after filing the initial return [ April 2017 ].......had a nasty woman on the line who threatened to FrivPen me back to the stone age.
Some time that summer of 2017, I wrote to the IRS commissioner & Secy of the Treasury hoping for some top down action.....but nary a reply.
So I let it sit for almost 2 years and filed a 1040X (same return) just to reset the clock running on the matter.....Jan 2019 IIRC
Still nary a reply until I got antsy and called the local IRS office Dec 2019 later just on a whim and they rolled out the red carpet & sent a treasury check within the week.
So you just keep right on NOT COUNTING ON THAT 10K until you're HOLDING IT IN YOUR HANDS
Any gold bug'll tell ya -- IF YA DON'T HOLD IT, YA DON'T OWN IT.
Now that you're not paying any FIT, you ought to file a new W-4 w/ your employer claiming EXEMPT......or have they re-worded that form to make it impossible to claim EXEMPT ?