Stick with me:

I am not employed, have a dormant LLC. Have not had income for many years. My fiance supports us both. Every week (for years) he puts money into my checking account (only my name on account) and we pay household bills and shop online using that money.

Every year I file 0 gross income on my taxes. I take no deductions or receive any money back. If the IRS looks at my bank account (again only my name) it looks like I have thousands of dollars rolling in.

I put money into a ROTH IRA a few years back and just found out you need income or it's not allowed. I caught the error, not the IRS and sent an amended return and paid the penalty. Had not had any response from them yet.

My fear is the IRS will now start looking over my bank records and assuming I'm lying or hiding income when it's all my boyfriends money. I'm sure it more than the 13,000 allowable as a gift.

So sick with worry and stress and fear I can hardly do anything. Am I crazy to worry? What do I do?

Thank you for your help.