A Dozen Plus Reasons Why You Should Learn to do Your Own Taxes

7 Reasons Why You Should (and Shouldn't) File Your Own Taxes

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Notice the income tax in both scenarios is the same 25k. The only way an S-Corp would be worse is if dividends were taxed enough more than ordinary income to offset the payroll tax gains. When would that be? Bill February 10, , 1: S-corp profits are always taxed as ordinary income.

S-corp are not the same as corporate C-corp dividends. With C-corp, the corporation is taxed on its profits, then the receiver of the dividend is taxed again at the dividend rate when those profits are distributed. If you make over k, it will make no difference at all, because no one gets SE tax over k. But you take a hit long-term in the amount of social security you draw out when you start taking it; nothing is free unless you are flat-out missing deductions you could have taken.

Druid February 11, , 8: The C Corp is actually a decent structure for a small business owner as well. So the most efficient tax structure for a business making k a year would be a C corp that pays you a 13k salary offset itemized deductions and exemption pays a yearly dividend up to the rest of your 15 percent bracket, and take the rest of corporate profits to fund an employee pension plan. Its interesting that you bring up social security benefits, because although mr mustaches new LLC salary structure probably reflects the economic reality of tge partnership better it also underfunds his wifes social security benefits similar to my c corp structure.

My guess the tax savings will out weight the social security benefits if properly invested, but MMM is getting the best of both worlds. Maybe he should fund his wifes IRA with the tax savings. He can take dividends to the extent that him and his wife fill their 15 percent bracket. Keith Schroeder February 12, , 7: The C Corp has one major problem, the double taxation of dividends. In a C Corp you pay taxes on the corporate level on all profits and again on dividends.

7 Reasons Why You Should (and Shouldn't) File Your Own Taxes | HuffPost

You, as an individual taxpayer, pay tax on the dividend, but the C Corp does not get a deduction. In the S Corp the dividend is not double taxed. JB February 24, , 3: Axecleaver February 10, , 2: There are fixed fees associated with this model which factor into the equation. You also need to include the expense of higher accounting fees, higher filing fees for an LLC with S-corp election, unemployment insurance, liability insurance, etc.

The salary you choose should be comparable to someone of your experience level in the same industry. JayP February 11, , 7: Ardis February 10, , 2: Keith Schroeder February 10, , 8: Once you hit the Social Security threshold you still continue paying 2. Rental properties have a lot of good tax deals, too. I am writing an article on my blog on this issue and should be published within a week or so.

I am so glad MMM decided to be a Wussypants just once. He and his family are awesome to work with. Finally, I feel obligated to keep track of the post for a while. Scott February 10, , 8: I am curious about the pros and cons of this choice. Matt K February 10, , Keith Schroeder February 10, , Rachel February 12, , My LLC would benefit so much from electing s-corp status. We are taking out profits that are much higher than reasonable salaries which is a good problem to have, right?!

Is it possible to start payroll say in March and someone do s-corp status. Would we have to pay back payroll taxes, etc? I know we have till March 15th to elect the status but not sure how to make it work with YTD distributions. Ryan February 10, , 9: Looking forward to 3 and look forward to reading your thoughts around options with real estate and the structure you recommend.

As a landlord, I do not have a LLC setup and need to learn about the benefits of doing so. Also nice to see another MMM fan close by! Vince Granacher February 10, , I am a bit confused here. I thought that an LLC was in fact a legally recognized corporation. I was not aware that someone doing business as a sole proprietor or partner was or could be an LLC.

I thought those would have been an LLP limited liability partnership. Could you offer some clarification for me? What is the point of being an LLC and a sub S corp. Andy C February 10, , 4: Being a disregarded entity means it is taxed based on how it is owned, either as a sole proprietor if 1 owner or a partnership if more than 1 owner.

Josh February 10, , 4: You can also file a Form and elect to be taxed as a C-Corporation. An LLC is an entity. There are no LLC tax forms. Think of the LLC as tuna, it takes on the flavor of whatever it is with. You default to a sole prop of partnership; you can elect to be treated as a corp or S Corp. With This Herring February 22, , Kristine - CA March 12, , That fee and bookkeeping burden makes it less viable to form multiple LLCs for this that and the other thing. Chris22 February 10, , Can you expand on this any?

At k it starts phasing out and disappears entirely at k. Chris22 February 10, , 2: David B February 10, , 5: Kathy Abell February 10, , 6: John February 12, , Once you factor tax effects into the ROI, you might actually make a higher per dollar return with a higher amount invested. Having positive cash flow and taking advantage of real estate deductions will be much easier with a slightly lower mortgage balance.

Slippery slope with the rentals…. I have some rentals that I have owned for a loooong time…. The challenge seems to be in selling and avoiding capital gains…. John March 1, , 3: Edifi February 10, , 1: There is a calculator people can download from SSN. Many people will still choose to manage the money themselves rather than give it to the government, but they should be aware that is what they are doing, not getting money for free.

Diana February 12, , Bill February 16, , GOV has a handy app that will let you add your current and future earnings to project how much you will be paid in different scenarios. Becky February 10, , 6: Keith — I live in Neenah! MM already knows all about you. Have a great tax season: When things get normal for me feel free to stop in for a free soda or cup of coffee. Bourbon February 11, , Sent you a note through the website with my details. How do you find long distance accounting to work? There is another Camp Mustache this Spring. Tickets are sold out for now. I will be there, too and if allowed, will present a different tax session.

Cameron February 10, , 8: David B February 10, , 9: Would have been awesome to attend. Do you all plan on taking video so it can be shared with the whole community? Can you start streaming or record the sessions and create a video library on this site or on your blog? They make the decisions. I have no restrictions on anyone recording my presentations. Mrs PoP February 10, , 8: AM43 February 10, , 8: In our case with multiple income properties plus income from full time jobs, it gets complicated not to miss important details and I hate to leave money on the table so we let our accountant figure it out.

Its one time per year when I find that its worth paying someone else to do it. Also If I am not mistaken we are deducting full amount of tax preparation fees. You can deduct a part of the prep fee, the part applicable to the rental portion of the return. The remainder goes on Schedule A where it is worthless for most taxpayers. Str8cash32 February 10, , 8: Sounds like someone needs a catheter and a bedpan! The inner millionaire finally comes out, but its okay because we are able to see past this convenience for what it truly is due to your earlier writings.

Is an electric Cadillac in your near future too? Jus t had to give you a quick punch in the face: Heath February 11, , 5: Str8cash32 February 12, , 9: Sorry to vent, but here it goes. After thinking on it for a few days it actually angers me that MMM is willing to advocate DIY projects that can actually kill the average reader as well as others , and then has the audacity to advocate farming out some simple tax crap. Ads for your buddies line of work is NOT what I personally read you for. February 20, , I think this is really fundamentalist view.

I would be bored and likely kill myself. For first few years I easily did my own taxes with TurboTax and marveled how easy it is.

But times changes, stocks here and abroad accumulated, rental properties, marriage and her investments and properties, move to a different state. And I started getting a sneaking suspicion I am overpaying and doing it wrong. I reached my limit of intellectual stimulation. Found an awesome NYC accountant who for amended my taxes and filed. Recognizing my limitations was the Mustachian thing to do bcs made me money, saved time I could use on my family. I still review my taxes, you are responsible for your accountants mistakes so it is a good idea to understand what they do.

But it is a bit different. Str8cash32 February 22, , 2: But plowing ahead, taxes are a yearly exercise performed by all Americans, appendectomies are a once a lifetime procedure needed by a select few with death as a possible outcome.

Apples to oranges, Doctors are always a no brainer when death is a possibility. And I DO have a fundamentalist approach in mind. The whole point of MMM is to live a simple uncluttered life that maximizes happiness, very fundamentalist I would say. I just want MMM to understand that he is a complainy pants in this instance. As one of the few who read here that has installed my own furnace and built entire houses before the age of 30 29 today , I am proof that you can do most everything yourself, but you have to put in the time to learn how to do it.

Then after doing this very unmustachian act, he wrote a diatribe on the benefits probably for a discounted rate next year for his devout followers to consume without even thinking twice about the hypocrisy of it. I still do my own taxes and by filling in actual forms manually on the computer. But I fall into the rather simple tax filing category. Strong case for DIY in this instance. In the mean time, manually filling out forms makes me research the tax rules and refresh my memory of how they work each year.

That translates to better knowledge of how to optimize my taxes going forward. Am I missing out on tax savings? An LLC or S corp might benefit me slightly, but would also cost a lot more in time and money to set up, maintain, and prepare the taxes. Less complication, maybe losing out on a tiny sliver of tax savings net of the added expenses? Allison February 10, , You make an great point, Justin. I have a bad habit of assuming someone is fully competent if they hold a position as a professional. In my case, this resulted in some erroneous legal advice which cost me quite a bit of money.

I think it is so important that even when hiring a professional, we are doing our part, being familiar with what is being done, and why, and what laws apply, etc. Paul February 10, , This is what stops be from having someone do mine. I do my own too. However, MMM has a signifincant business income, which justifies the trouble and restructuring.

Any dividends and stock sales are pretty much routine and easily imported by tax software, no need to hire someone to do those. I felt the same way. My husband is self-employed, and after we got married we used an accountant for a few years. We definitely could do better about optimizing, but have both decided that just doing things simply — even if it costs us a little more in taxes — is preferable to spending 2x or 3x as many hours trying to find workarounds that would actually not send up a different set of red flags.

Those hours, after all, are in my case uncompensated I have a full-time job and in his case actively pull him away from potential client service, aka earnings. Jared February 10, , 8: Kyle February 10, , 8: Most recently I really wanted to learn how, and build, tower speakers for a high end stereo system and did many hours of research. But with the laundry list of other DIY projects on my plate, struggling to get done, I decided to simply purchase them.

Where investing is actually pretty simple, disguised as something too complex for the average person, I do find taxes can be incredibly complex. Todd Nestor February 10, , 8: You know my boss sweats by http: Just in case you wanted to simplify your monthly salary and taxes check writing time. ChasinMyTail February 10, , 8: What is so special about It seems to be more expensive then Turbotax for the same level of service.

If any is curious my Roth IRA question is: Plug the MMM forums again. This question comes up repeatedly there — basically when take a non-qualified distribution from a Roth IRA, there are very clear ordering rules as to what comes out first:. Conversions in chronological orders — any amount that is taxable first, then any amount that is not taxable from each conversion. ChasinMyTail February 10, , Thank you dandarc for the forum suggestion. I think I found my answer there: Bill February 10, , 2: You can borrow against a k, up to half, but you can invest an IRA directly in a business if you can buy stock in that business.

Elfsdad February 17, , 2: I appreciated the The same access and filing assistance at It seems that over the years TurboTax has also gotten increasingly opaque. This year, just as I was wrapping up my Federal return, TurboTax told me that my imported W-2 failed to include any Box 12 letter designations. So it was down a half hour rabbit hole inputting that information manually largely by trial and error and getting the return back on track — which kind of defeats the whole point of importing the W-2 in the first place.

Hotstreak February 10, , 8: I know a guy who does his own taxes, despite having 6 rental properties, two salaries, investment accounts, and multiple kids in college. A couple of Accountants posted upthread that they make mistakes on their own returns, too, which makes me think this problem is not limited to tax preparers who pay people to wave signs on the sidewalk. Tom February 10, , 8: I have to lend my vote for SimpleTax. Almost makes me look forward to tax time.

Mike S February 12, , The first I did by hand. I generally thought that the Federal forms were fairly straight forward. The written instructions for the NY State forms were terrible. The advice they gave me over the phone was incorrect. The second year, I hired a tax guy and did them on HR Block software. I wanted to see if the Pro was worth the cost. The third year, I am only filing using software. Of course people can also research and do all of this stuff themselves. A great place to get free info, and specific to your situation no less, happens to be the Mr.

Rajib February 10, , 3: I am glad someone pointed this out. I will be an independent consultant soon — working through my S-Corp and drawing a W2 salary. In the end, I opted to contribute more to the k.

I was in a similar situation for several years, making a high 5-figure income as a contractor. I finally formed an S-Corp this year and hired an accountant. Something else I had to consider was the value of my time. Last year I spent 10 or 12 hours going through receipts, credit card records, and processing s from three clients and a W-2 from some short term traditional employment.

Roger Moore February 10, , 9: I take it from this article that you pulled well over K last year as a couple. Where is this money going?

Should You Do Your Own Taxes? (and Why I Don’t)

Why is it so important to continue to save on taxes when you are retired, worth millions, and have stated time and time again that you do not need the money? I understand the drive to be efficient but this seems like overkill given your modest spending needs. LennStar February 10, , 9: You dont know what he did with the money. There are lot of things you can spend it on. Building a school in poor Africa is just one for example. I have the feeling MMM would not talk about this except maybe as an example blog post Anyway stocks are gong to be cheap this year, so time to buy some ;.

Money Mustache February 10, , 9: I want to use the rest for making the world better in various ways, but maybe specialize a bit in the areas I feel are least served — like reducing car and consumerism culture. The amazing Gates Foundation is really efficient at improving the lives of the largest number of humans, but if we just export American consumption along with the higher health and incomes for 7 billion people, we might end up worse off than we are now.

Thank you for the thoughtful response and your willingness to do some good with your extra earnings. I would love to see a blog post at some point with further details regarding charitable contributions in detail. I like the goals you have in mind. Love to hear you are planning to set some of it loose in ways that will benefit others. Scott February 10, , I know from previous posts that you are a big fan of the Gates Foundation. Even while presupposing the best of intentions, the sheer size of the organization along with its economic and political power creates some cause for concern.

I have read some articles that discuss some of these issues such as accountability, lobbying activities, and their ability to bypass local governments and health systems. Ability to bypass local governments is helpful especially in countries like India, where every thing is corrupted. The Gates Foundation has not done so well with education. And there are a lot of complexities, not all good, with their approach to maintaining their finances. Just like the rest of us, I guess. LennStar February 11, , 2: You may want to have a look at commons-movements Elinor Ostrom meaning or things like OSE — make a work holiday there ; https: Wendella February 11, , Just a caveat for anyone wanting to go this route.

Lex February 10, , 9: The difference compared to e. It is not impossible, and if you want to spend hundreds of hours learning all the bits for fun — do it. But it will still be more expensive because you just do it once. If it is just a task there are better ways to spend your time. OJ February 10, , 9: One thing missing in Figure 1 is that on the left side you actually put more money into the high-yield annuity called Social Security. It gets spent on other things which benefit other people and possibly even me , which is approximately what I wanted to use my money for anyway.

Also a great safety net if this first 41 years of prosperity turns the other way. Also, if the system truly runs short on money, us high-income people might be among the first ones to have the benefits cut. But again, these are just pennies in the swimming pool of wealth if you have more money than you need. Travis Deyle February 10, , 4: Also, the calculus for SS is a little nuanced: You only receive it if you live to be old enough, and very little of it gets passed to your heirs. My father had similar logic to OJ above.

He passed away in November miss you dad! He paid into SS his entire life, and the only thing my mom got out it was a measly little death benefit.

Tax-Preparation Fees: How Much Does it Cost to Have Your Taxes Done?

A bird in the hand is worth two in the bush. Keep the assets in something you can control at any time in your life. Brad February 11, , 9: One of the biggest financial decisions of your life is made for you by your parents on day 3 of your existence. How is that fair? What if you learn later your parents are financial idiots or Suckas as MMM calls them. Its like what Travis said above. Think about how much more money they could invest. Currently most companies will not hire somebody who does not have a SSN and this is probably the only real concern for us — for them.

Will be 14 years before that becomes an issue so we have time to figure it out. I am currently having fun with this and its a miracle my kids are alive without a SSN. The only thing thats popped up so far is for Health Insurance as her employer asked. We told them neither had one each time. They said when we get them one to let them know. We said we would. So theres nothing to tell. Both of them are currently on her insurance.

I say currently a lot because I acknowledge things can change. Money Mustache February 12, , Wow, that is some wild stuff. I was pretty excited to get registered and have an SSN myself when I got to this country. Any disadvantage from having to pay into Social Security and other taxes is massively outweighed by the opportunity to do business with big, rich companies willing to pay you hundreds of thousands of dollars per year to hang out in a luxury office compound.

Easiest to use: TurboTax

This obvious net profit is the reason the US remains the wealthiest country in the world. An organized, above-board business system — embrace it! Dan February 17, , 2: Brad, sorry for your loss. Also, another benefit of her being married to him is, assuming he paid in more over his career, is your mom will receive the higher of the two benefit calculations.

If she had been single, she would only get her calculation, even if it was lower. So no direct benefits, but SS does benefit married people to a point in a welfare kind of way. Suzanne February 10, , 5: It is fully taxable on receipt if filing married separately and half is taxed if filing married or single, both of which can tip you over into a higher bracket. My tax planner assumed I could file jointly but with a nonresident alien spouse no TIN- wants his privacy from US taxman , I can only file separately. So I am stuck with a surprising tax bill in my first full year of retirement. You can be a high earner and lose all your money in a medical issue.

Talltexan February 10, , 9: Outsourcing this task is definitely a way to solve that problem. Something about fear of the IRS and complexity of the paperwork makes this dimension greater than other DIY projects for some reason. Jeff February 10, , Embok February 14, , Hiring a good accountant to prepare and file our quite complex taxes has been one of the best decisions ever yielding marital harmony for my husband and me.

In addition, it frees up hours for us to do work that has a better financial yield. BCBikier February 10, , 9: I was going to try to set this up myself and you have not swayed me away from this! I also just realized the stupid Amazon affiliate exclusion for Colorado. The technical term of the Amazon issue is called nexus. If you have a need for an affiliate with nexus issues as Amazon has with a handful of states I have a work-around. Lisa February 10, , 9: I am fortunate that the great guy I share my life with happens to be a tax accountant.

He only became a CPA a couple of years ago but he has always had an aptitude for being able to read and comprehend the CRA guides. When I set up my landscape architectural consulting business, I had an accountant do the taxes that first year. Now that I have added solar panels and other more complex income strands to our family, he has been navigating our way through this. I have to say that I feel so much more comfortable knowing that I have professional expertise for that area of my life and then the further back up of his mentors at the firm he now works for if I was ever to need it.

Another example of using professional services — I have been practicing as a landscape architect for over 20 years and also doing renos on interiors of houses we fix up. I always run my plans by architect friends to make sure that everything is good.

What are your tax-preparation options?

Often they make small suggestions for tweaks and I accept these. They are experts in their area and I am not. And, I do prepare my own taxes every year, just downloading the free forms on my computer from the IRS website. Do you still have to file if you owe no taxes? And, can you share how you are paying no taxes? Sam…of course the answer is for a person to make less than taxable income. As a senior on social security there are numerous tax exclusions so I have rarely paid taxes over the past 20 years, except social security and medicare, when working a seasonal job to add to our income.

If the number is less…voila, no taxes. Example in our case: Do you ever feel guilty not paying any taxes for 20 years though? I always do my own taxes. I have done my own every year except the year I graduated and the year I got married.

I would estimate it takes hours. Of course those were the notes that went delinquent and got written off. Did mine on my own for the first time this year and it went as smoothly as can be. I have recently been requested to attend to some family tax filings, and have a CPA do it. Well worth it, to eliminate potential family friction. He is uninterested in learning anything about taxes, or how to do it.

Oh, well, we all have to pick our battles!: I struggle with this every year. But if you want to be as aggressive as possible and take advantage of all that gray area I think this is where a CPA will help. I have been doing my own taxes for decades; ever since an expensive CPA screwed up my returns and I had to run around correcting things.

I have been doing my own taxes since some time in the 70s. It is a challenge. It is a wonderful company that truly tries to teach their prepares to do the right thing and every return correctly. I also help out friends and family with their returns each year. I think I have helped more than 2 dozen young people friends of my grown boys the correct way to do their returns themselves.

Of course since I am retiring in a couple of months, I plan to go back to Block for the next tax year. Every year its the same ritual. I write down the final result. About a week later I will start over from scratch and make sure I come up with the same result. After that I will play with the numbers a bit to see how they change for different situations. I end up calling the tax guy, and schedule my appointment. Drive 30 min to see him, sit and chat for another 30 — 45 min, drive home, come back in about 2 weeks and pick everything up.

Its kind of crazy really. He always has the same number more or less that I came up with when I did it on my own and his price is only a few bucks more then turbo tax.

Budget picks: TaxSlayer and TaxAct

Is it paralysis to file then? I think it has to do with the belief that if some mistakes were made the guy I hire to do it would be liable. To me I think the little bit of extra money is worth the added protection. I will say that I have only had this routine for about the past 4 years.

Before that I just always paid to have them done. This is my first year doing my own second time filing since graduating. During the first two years of living overseas I used a tax consultant from one of the big 3, paid for by my company. I read through their work and found out they were costing me big bucks as they did not complete the overseas exemption and credits for foreign taxes properly.

However they did give me familiarity with the forms I need to use. They were late so filed an extension… turns out I owed and was assessed penalties for being late. I like the software programs because they ask questions that help me think through and understand my taxes and potential savings. I have some new tax issues to face this year and next, so this is the first year I considered going to see a CPA. This gives me confidence that I can try to sort it all out on my own. She was a good role model. I advocate doing your own taxes to anyone who will listen.

Not only does it save you money spent on prep, but it also gets you thinking about the tax implications of your decisions. When I first started doing my taxes, I did it the old fashioned way; forms from the library and a pencil. I did that for several years, until the year I bought a Townhouse that was part of a Co-op and cashed out a k stupid decision, yes.

I had to go out of state to find a mortgage. But she had absolutely no idea how to handle the k. People leaving jobs and cashing out their k is a fairly common thing! I had to explain to her that I would owe taxes and a penalty on the money; finally she went and found someone else to walk her through the software. After that I decided I was better off doing them on my own. Every point made in this article and by many commenters are valid however no one talks about the value of speaking with a knowledgeable and reputable CPA.

I pay and spend 2 hours with my accountant once a year, mostly talking tax strategy. I look as the spent towards tax advise not preparation. Besides tax preparation is tax deductible. I think it comes down to personal preference, however I would not ever go to HR Block or similar. The advice is a good angle to take, and I did recommend folks sit down with one in the very beginning to learn the basics and more if possible.

I prefer using a CPA now. Better to get it right the first time than struggle through a painful audit. I guess it depends on how clean your taxes are. If you are a salaried employee and your investments in the market, seems advisable on your own. I could not agree with you more. I often say no one can care as much or more about your money than you. Yet, when I remind him of this and the fact that no one else can care as much or more about his money than him, he glazes over. He does not care to learn and for that reason he an many people pay dearly.

Nevertheless, I worry for him very, very often. I do my own taxes too. My accountant was always late. I always found more receipts after I had already subbmited my information to the Accountant. You can download TurboTax corporate edition for as low as I agree that for the average return, most everyone can prepare their own return. I have used a CPA for years, although I send him a spreadsheet.

I needed a CPA when I had businesses and real estate. The benefit is being ale to ask questions during the year for free. I also have my taxes completed by February 1st and submit them as close to that date as possible. We already have received our tax checks and put them to good use in our brokerage account. I have always dome my own taxes.

I did them by hand in the early days, and then using computer programs: I pay a bit more than you, but through the years they have been responsive to questions and complaints. I think 1 is the most important of all. There have been cases where I go do my taxes and they have never asked me a question about other possible deductions. There is a lot to learn from them, and a lot more deductions that I had never imagined possible. When you do, ask to work with a master tax advisor or better, an Enrolled Agent. This includes the e-filing also.

First off love your blog — and share many of your viewpoints. I read often, but never comment. This was the first article, I was a little surprised by. Furthermore, they are known for not attracting the best people thus are not known for advice. Was surprised you felt confidence in having brick and mortar stores that you could go to if there was an issue. Or having people that could resolve the issue. Just sharing my thoughts… Thank you for all your wonderful blog posts — I enjoy reading them. Funny guy who helped me. So back to the point of my article: I highly advise everyone do their taxes on their own.

I own rental properties internationally, so my family pays a tax preparer to do our taxes. Before I owned this property I always did my taxes myself. Learn a lot to be an informed consumer, but do not be so foolish as to not pay for expertise when warranted. I pay an actuary. Legally required and rightly so. I pay a CPA for the annual taxes.

I take care of the payroll, and s. I also maintain multiple spreadsheets to keep logs, reports, and to tax plan. I know to within a couple percent my actual tax liabilities any day of the year. Now done by the CPA, because she charges me a modest fee as part of a package deal and the nexus between business and personal has become murkier since I started to use section plans.

The expertise costs me about 1. The savings are multiples greater in avoiding friction with the IRA in the form of penalties and interest from errors and late reporting. But this year was the first year that my taxes were a little more intimidating with 3 different businesses showing revenue and I wanted to reduce my tax liability.

Started in paper, but moved to TurboTax when PCs became common. I find TurboTax pretty easy to use, though the K-1 stuff from Master Limited Partnerships gets to be a little complicated. You meet, figure out what was or was not correct, you pay what you owe. None of it is life changing. Doing your taxes yourself is like just about any other do it yourself project. But to be honest, many people are not well equipped for this. I have no doubt that most readers of this blog will do a fine job doing their own taxes, but this readership is hardly typical of the general public. Thanks for pitching in Chris.

Many people need all the help they can get.

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