442-How_to_Do_Your_Own_Taxes_The_Easy_Way
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00:00:30.000 | Do you know what today is?
00:00:32.400 | Today is Monday, March 27, 2017.
00:00:36.560 | And do you know what that means?
00:00:37.680 | That means that we are one weekend closer to the best time of year.
00:00:43.640 | The best month.
00:00:45.840 | April.
00:00:46.840 | And April 15th slash this year, it's April 18th.
00:00:49.880 | April is upon us and that means...
00:00:52.920 | It's tax time!
00:00:56.560 | Welcome to Radical Personal Finance, the show dedicated to providing you with the knowledge, skills, insight and encouragement you need to live a rich and meaningful life now
00:01:21.280 | while building a plan for financial freedom in 10 years or less.
00:01:24.160 | My name is Joshua Sheets and I am your host and your fellow taxpayer.
00:01:29.360 | Today, let me give you some tips on how to do your taxes the easy way.
00:01:34.040 | And also try to answer that question of should you hire an accountant or do it yourself?
00:01:37.760 | As we begin here, I must confess that I generally don't feel as excited about April
00:01:49.360 | as I sounded there in the little intro.
00:01:52.040 | But I do try very hard to be that excited.
00:01:54.800 | I often get very grumpy when it comes to the subject of taxes.
00:01:58.000 | I get very grumpy.
00:01:59.800 | My politics and my political ideology make me very grumpy about paying taxes.
00:02:04.640 | I get very grumpy about what the money is used for.
00:02:07.240 | I can't stand the way that, in my opinion, it's wasted and just causes me to feel very grumpy.
00:02:12.840 | But I've also found that grumpiness is not generally a pleasant emotion.
00:02:17.320 | And since I've chosen to do it, I try to focus on the – meaning I've chosen to
00:02:22.000 | live in the United States of America and live where I live.
00:02:25.120 | Well, that comes with the territory.
00:02:26.960 | And so I try to approach it with the very most positive mindset that I can.
00:02:31.760 | And I try not to be grumpy.
00:02:33.720 | Years ago, I remember listening to Jim Rohn tapes and he would talk about how when he
00:02:37.480 | started paying taxes, the tax rates were 90 percent.
00:02:41.040 | And his mentor, a man named Earl Shoff, would – coached him to stop complaining about
00:02:49.000 | taxes and appreciate the fact that he made money and that the goal is make a lot of money
00:02:52.560 | and pay a lot more taxes.
00:02:54.680 | I found that type of advice very easy to listen to and much harder to actually feel.
00:03:01.240 | So I do believe that it's good not to be that grumpy and not to be all upset about it.
00:03:06.400 | I don't think that just because you try to have a good attitude doesn't mean that
00:03:09.280 | you can't wish to see things change or work to see things change.
00:03:12.760 | But I do often feel this deep internal tension between trying to have a positive attitude
00:03:17.640 | and a general sense of unhappiness when it comes to tax time.
00:03:21.940 | So if that filters into today's show, now you know why.
00:03:25.080 | But I'm determined we're going to do this with a positive mindset.
00:03:27.680 | I'm going to walk you through this.
00:03:29.360 | And the question that I want to answer with today's show is just simply if you were
00:03:33.600 | a friend of mine and you were saying, "Joshua, how should I actually do my taxes?
00:03:37.600 | I've never really done taxes before.
00:03:40.320 | Should I go and hire an accountant?
00:03:41.640 | Should I go to a tax place on the corner?
00:03:43.240 | What should I actually do?"
00:03:44.520 | That's the question that I'm trying to answer.
00:03:46.960 | We're not unfortunately going to be talking about tax strategy because unfortunately for
00:03:52.320 | you it's too late.
00:03:55.480 | March or April is not the time to be doing tax strategy.
00:03:59.200 | Once you close out the calendar year, once you arrive at January 1, your tax planning
00:04:05.120 | is basically done.
00:04:08.320 | About the only decision that you can make when you're actually in the process of filing
00:04:13.680 | your taxes that's going to make a difference to your tax rate is whether or not you make
00:04:18.520 | contributions to certain tax qualified accounts such as an IRA or a Roth IRA, perhaps a health
00:04:25.240 | savings account, or if you're self-employed whether you make something like a SEP IRA
00:04:30.160 | contribution.
00:04:31.160 | Those decisions can be made and those contributions can be made up until the tax filing date.
00:04:35.080 | The deadline, usually April 15.
00:04:37.880 | But if you have not done that, but other than that, your choices pretty much close out on
00:04:47.120 | January 1.
00:04:48.560 | So we can't do a lot of tax planning or tax strategy.
00:04:51.640 | But what I can do is give you some guidance on how to approach just the nut of actually
00:04:56.380 | doing your taxes.
00:04:58.260 | We got to begin though with the things that are common to all.
00:05:03.400 | Many people want to go and hire people to help them with their taxes because they don't
00:05:09.440 | know where to start.
00:05:10.440 | I'll tell you where to start and that's with your records.
00:05:14.040 | The most important thing that will impact how pleasant or unpleasant your tax filing
00:05:20.320 | experience is, is the quality of your financial record keeping.
00:05:28.480 | And this will impact it no matter the course of action you choose.
00:05:32.180 | If you walk into your accountant's office and you drop down the proverbial shoebox full
00:05:37.540 | of receipts, guess what?
00:05:40.220 | You're going to have a big accountant bill and you're not going to have a great tax return
00:05:43.060 | because your record keeping system stinks.
00:05:48.320 | On the other hand, if you have a good end of the year report that shows your profit
00:05:52.620 | and your loss, shows the categories of your income and the categories of your expenses,
00:05:58.020 | you can sit down with a manual 1040, you could probably have your taxes done in a half day's
00:06:04.740 | work, even if you had to calculate everything manually, even if you were running a business.
00:06:09.660 | It all is a matter of your record keeping.
00:06:15.280 | If you're an employee, you're not really going to have much record keeping.
00:06:19.620 | If you just simply have a W-2, maybe a couple of W-2 incomes in the household, then even
00:06:24.820 | that is negligible.
00:06:27.780 | But if you have any kind of side business, the single biggest thing that's going to matter
00:06:32.300 | is the quality of your record keeping.
00:06:35.340 | You can approach your record keeping in many different ways.
00:06:37.700 | There are many fine accounting systems and pieces of accounting software that you can
00:06:42.380 | use that are built for business bookkeeping.
00:06:46.120 | There are many fine personal finance systems that you can use that will run your personal
00:06:51.700 | household bookkeeping and that you can adapt to run your business.
00:06:55.860 | This last year, I've used sponsor of the show, YNAB, You Need a Budget, the You Need a Budget
00:07:00.640 | budgeting software system.
00:07:02.260 | I've used that all this last year.
00:07:04.260 | I started before 2016, but I had a good year, an entire year of perfect records in YNAB.
00:07:10.860 | I think that was the first year I had an entire complete year and I wasn't splicing that together
00:07:16.780 | with my spreadsheets.
00:07:18.500 | Taxes are pretty simple because I had all of my income there.
00:07:20.860 | It was all categorized.
00:07:22.100 | I just spit out some reports from my business budget.
00:07:25.940 | I had all my expenses allocated there.
00:07:28.300 | I adjusted the report slightly to make it simple to put in and I was able just to take
00:07:32.100 | that and slide that data over into TurboTax.
00:07:36.260 | That's what I use this year is TurboTax.
00:07:38.580 | We'll get to that in just a moment as far as tax programs.
00:07:42.060 | The biggest favor that you can do yourself and your accountant is to have excellent record
00:07:47.500 | keeping.
00:07:48.620 | If your situation is simple as in you have a household and maybe you have a small side
00:07:56.380 | business or two or even a primary business, but it's just you and it's relatively small.
00:08:01.780 | You don't have a lot of employees, things like that.
00:08:03.740 | In that case, I recommend you just keep a very simple accounting system.
00:08:09.140 | All of you, as I have done many times, do a quick ad for YNAB, all of you should be
00:08:12.820 | using or should have at least tried the YNAB budgeting software.
00:08:16.500 | It works and does phenomenally well.
00:08:19.260 | YNAB is the best budgeting software that I know of for you to use for your personal household
00:08:23.500 | because it allows you to adjust your budget and actually do that magic thing that budgets
00:08:28.180 | can do of deciding where the money is going to go.
00:08:32.460 | Get a free 34-day trial at RadicalPersonalFinance.com/YNAB.
00:08:34.820 | Y-N-A-B stands for you need a budget.
00:08:38.780 | Again, RadicalPersonalFinance.com/YNAB.
00:08:41.580 | Please sign up through that link and I'll receive a commission when you sign up for
00:08:45.000 | your free 34-day trial.
00:08:48.480 | You can do that and you can use a system like YNAB or you can use a system like QuickBooks.
00:08:53.540 | QuickBooks is kind of the leading accounting software.
00:08:58.220 | It's probably overkill for many of you in your simple side businesses.
00:09:01.380 | I like QuickBooks.
00:09:02.380 | I don't find it that easy to use.
00:09:05.540 | I think that for many people, it's just more of a hassle.
00:09:08.780 | If you're in a simple situation, you should be using probably those solutions, YNAB or
00:09:14.740 | perhaps Quicken, perhaps Microsoft Money, perhaps even Mint.
00:09:18.500 | You could do this with Mint.
00:09:20.060 | Tiller, if you were a spreadsheet kind of person but you're not – if you're a money
00:09:25.820 | nerd and you're using Tiller, you probably already figured this out.
00:09:29.220 | That works great.
00:09:30.220 | If you have a more complex system, you should be using a bookkeeper.
00:09:33.500 | If you're a business owner and you have a bigger business than that, you should have
00:09:36.180 | a bookkeeper, somebody who's responsible for keeping these records for you.
00:09:39.900 | It's just not a productive use of your time to be spending time in the bookkeeping.
00:09:46.060 | You need to keep an eye on it.
00:09:47.340 | But the actual reconciling of accounts and things like that, that is best hired out.
00:09:53.660 | So hopefully you have good records.
00:09:54.940 | If not, you need to construct them.
00:09:56.860 | Now you have good records or you have some records and you're trying to figure out,
00:10:00.740 | what do I do?
00:10:01.740 | Well, you have a couple of options.
00:10:04.100 | The first option is you can do your taxes yourself with some kind of manual system such
00:10:12.440 | as downloading a Form 1040 from the internet or going down to the library and using a Form
00:10:19.220 | 1040 to do your taxes yourself.
00:10:23.420 | You can do that.
00:10:24.780 | And if you have the simplest of situations, I think that actually works pretty well.
00:10:31.300 | By simplest of situations, again, you have no businesses.
00:10:34.420 | You just have a – you have no businesses.
00:10:37.500 | You just have a W-2 income or a couple of W-2 incomes.
00:10:40.940 | You can sit down and you can work through a Form 1040 pretty simply.
00:10:44.100 | It's not that big of a deal.
00:10:45.820 | You may even be able to qualify and use a 1040 easy, some of you, which makes it pretty
00:10:50.660 | simple.
00:10:51.980 | In that case, you'll be able to have an option that is completely free and it will
00:10:57.380 | be relatively simple and you'll learn something while you're working through the worksheets.
00:11:04.220 | Many people have done this for many years.
00:11:06.740 | If your income is below about $64,000 as the cutoff this year, I don't know why you would
00:11:14.340 | do it manually except that you just enjoy the process of it because if your income is
00:11:19.800 | below $64,000, you can use some of the tax software for free.
00:11:26.980 | There are a bunch of options.
00:11:29.700 | The best thing to do is to start on the IRS website and look for the free file options.
00:11:36.940 | On the IRS website, they've set up various relationships, business relationships with
00:11:41.780 | some of the different tax accounting software packages.
00:11:45.700 | For example, there's Free Tax USA.
00:11:48.220 | There is 1040 Now.
00:11:49.700 | There's TurboTax.
00:11:51.220 | There is Tax Act.
00:11:53.020 | There's H&R Blocks Free File.
00:11:55.780 | If you meet the qualifications, which are generally your adjusted gross income is under
00:12:00.580 | about $60,000 and generally if your age range is, you're younger than 52 years old, you
00:12:05.580 | can use their software.
00:12:07.260 | I think the software is really frankly, just to get right to it, is my favorite solution.
00:12:11.860 | It's what I have done for many years is just simply use the software systems.
00:12:16.740 | The very best thing about the software systems is for somebody who's intimidated by a form
00:12:22.840 | like the 1040 with rows of numbers and all these tiny little print, et cetera, it breaks
00:12:28.740 | it down into a simple step-by-step approach.
00:12:33.540 | You read a sentence, one question, and you choose from the answers.
00:12:36.580 | You click and you go on to the next one.
00:12:38.940 | As long as you just simply take your time, read the questions carefully, it's pretty
00:12:42.780 | hard to screw up.
00:12:44.660 | The only thing that's a hassle, which is why I started with records, is if you don't have
00:12:48.100 | the records for the information.
00:12:50.180 | If you have the records for the information, it makes it pretty simple to use.
00:12:55.940 | The software packages will guarantee your mathematical accuracy and they'll help to
00:13:01.180 | make sure that you don't miss anything.
00:13:03.180 | They'll help to make sure that you don't miss filling something in.
00:13:05.860 | They'll check for errors and they'll do a pretty good job.
00:13:10.100 | I have never had any complaints with TurboTax and I've used TurboTax for many, many years.
00:13:16.220 | I've never had any complaints.
00:13:18.300 | They've just done a great job.
00:13:21.500 | That is my recommendation, is for most of you to use one of the software programs.
00:13:30.020 | If you don't use – ways to do it, try the free version if you make under $60,000 per
00:13:36.140 | year.
00:13:37.140 | If you make over that, then there are other options.
00:13:39.660 | A listener in the Radical Personal Finance Facebook group just asked about the new Credit
00:13:44.120 | Karma tax software system.
00:13:46.820 | Credit Karma is the website that I've recommended for using to work on improving your credit
00:13:52.860 | score.
00:13:54.300 | Credit Karma, C-R-E-D-I-T-K-A-R-M-A.com.
00:13:58.980 | What they do is you put your information in there.
00:14:01.220 | They scrape the data from your return and they give you hints and suggestions and an
00:14:06.100 | estimate of your credit score.
00:14:09.160 | Then what they do is – the way they make their money is they market to you products
00:14:14.140 | and services such as a new credit card, a new bank, a new investment account, etc. that
00:14:18.500 | they think will help you to save money or do something.
00:14:25.140 | Then they get paid a commission if you click on that.
00:14:27.260 | So it's free to use and Credit Karma gets a commission if you use their website.
00:14:31.660 | Now just this year, they started offering Credit Karma Tax which is a software system
00:14:37.740 | to provide and help you do your taxes.
00:14:45.460 | They offer support for the 1040 and they also will offer support for a 1040 Schedule C which
00:14:52.260 | is for sole proprietorship, a Schedule E, partnerships, estates, trusts, S-corporations,
00:14:56.900 | C-corporations and Schedule SE, self-employment.
00:14:59.500 | So they will offer those three schedules and support for those.
00:15:02.780 | They bill their services entirely for free.
00:15:05.820 | So if you're over $64,000, it's worth checking them out.
00:15:09.540 | They evidently according to – I've never tried them.
00:15:11.860 | I had just checked into them and I just read their FAQs and they have exactly the same
00:15:17.820 | business model where they will seek to market to you products, financial products that they
00:15:23.780 | think are helpful to you and if you do that, they will be paid a commission.
00:15:27.700 | So the tax software systems are really, really good.
00:15:31.420 | If you want to try them, that's fine.
00:15:33.500 | They're untested, read some reviews, try it out.
00:15:35.820 | It's not going to cost you anything.
00:15:37.140 | You're just going to be giving up some of your privacy.
00:15:39.020 | Another thing that you can do is what I have done is just buy TurboTax for example at Costco.
00:15:44.820 | That's what I did this year.
00:15:45.820 | I bought it on discount at Costco and you buy it every year.
00:15:49.260 | It has that year's forms and is updated and it works out.
00:15:52.660 | It's cheaper than it was to do it online.
00:15:55.020 | So that would be my recommendation.
00:15:56.660 | Now do you need an accountant?
00:15:59.820 | This is a hard question to answer because of course it's always it depends.
00:16:04.020 | But here's who I think it depends on.
00:16:07.140 | If you're a complex business owner and you are filing multiple returns, you're filing
00:16:13.180 | partnership returns, corporate returns, you're filing those types of things, I think you
00:16:19.100 | would get benefit out of the accountant just simply to lessen some of that work off of
00:16:23.940 | yourself.
00:16:24.940 | In general, that's probably good business to farm out to somebody else, to become a
00:16:29.020 | real expert with tax is going to take you a significant amount of time and that's time
00:16:34.580 | that you're not doing spending building top line revenue, building and making more of
00:16:40.420 | a profit.
00:16:41.420 | It's also going to take you – you're probably also going to miss a number of simple deductions
00:16:47.540 | and unique creative strategies that an accountant could be able to advise you on.
00:16:52.660 | So if you're a business owner, in general, I would probably steer you towards working
00:16:56.620 | with an accountant.
00:16:58.540 | The challenge is that for individuals, an accountant really can't do much planning
00:17:03.620 | for you.
00:17:04.700 | If you're a W-2 income earner, an accountant can't really help you all that much with
00:17:10.260 | it especially when it comes to returns.
00:17:12.820 | Many accounting practices even from a local accountant simply take the data entry and
00:17:20.820 | give that to a junior person and have a junior person do the data entry, do the return and
00:17:26.500 | the accountant just takes a quick look at it before it's sent back to you.
00:17:29.940 | Much of the time, you're generally not getting much consultation and this is where I want
00:17:35.020 | to break down the difference between getting a return versus consultation.
00:17:39.260 | A software program like a TurboTax is excellent for doing your return.
00:17:46.060 | It's useless for giving you a consultation, a proactive consultation.
00:17:52.540 | It's really not worth anything at all.
00:17:54.940 | But an accountant can give you a consultation.
00:17:58.260 | So many times, it could be worth it for you to approach it in the context of I'm paying
00:18:07.920 | for consultation and advice, not just for the doing of a return.
00:18:13.500 | The challenge is with that, I can't give it a blanket recommendation and here's why.
00:18:18.460 | One, most people can't do much.
00:18:21.220 | Again, if you are a median income, W2 income earner, you can't – there's not – putting
00:18:27.900 | money in your 401(k) is about it.
00:18:29.940 | That's about all you got.
00:18:30.940 | There's nothing more that you can do.
00:18:33.180 | If you start to get into investment property, if you start to get into business, if your
00:18:38.620 | income starts getting higher, then you have options.
00:18:42.060 | But for just an average income earner, filing a W2, an accountant can't do anything for
00:18:47.260 | you.
00:18:48.260 | Most people are just going to take the standard deduction.
00:18:50.260 | You're not even – just the whole hassle of going through and filling out all the itemization
00:18:54.380 | is generally a waste of time.
00:18:56.460 | It's worth doing it I guess just to see if you qualify.
00:18:59.500 | But very few people do.
00:19:00.660 | Most people just take the standard deduction and you're done.
00:19:03.820 | So there's not a lot of options there.
00:19:06.320 | So if you're all in that situation, you should just simply use tax software.
00:19:11.800 | The other problem is finding an accountant who will actually give you proactive advice.
00:19:16.380 | In my experience, I found this to be harder than I think it should be.
00:19:21.220 | After trying to work with a few different accountants, I found that many people would
00:19:25.000 | just simply do my return for me.
00:19:27.740 | But it was much harder to find someone that would do proactive planning.
00:19:32.740 | Now part of that may have been due to my income.
00:19:36.420 | I wasn't earning half a million dollars a year and I wasn't willing to pay the fees.
00:19:39.840 | But I even tried some of the high-priced – I worked at a couple of high-priced accountants
00:19:43.580 | as clients of mine.
00:19:45.260 | I would try to get them to help me.
00:19:47.940 | So that brings me now to kind of the final option which would be not so much an independent
00:19:55.060 | accountant but more of a tax preparation firm like an H&R Block.
00:20:00.380 | I don't have any problem with an H&R Block.
00:20:02.300 | I think they do fine work.
00:20:04.060 | I don't see a ton of value for you as listeners going to somebody like that.
00:20:10.140 | I think that if you're going to go and work with a tax preparer, look to find a local
00:20:16.060 | accountant, perhaps a CPA, perhaps an enrolled agent.
00:20:19.100 | But look to find somebody who can provide that real proactive advice.
00:20:24.620 | I think if you're looking at just simply having somebody do it, if you have good records,
00:20:30.460 | you're better off going through it, the software yourself because you'll learn more with the
00:20:34.060 | software yourself versus having somebody at a large tax preparation firm just do it for
00:20:39.020 | you.
00:20:40.020 | And if you need advice, go to an accounting firm.
00:20:43.620 | So my least favorite option is one of the large things, the people you see advertising
00:20:49.240 | on the corner or a large brand name with loads and loads of accountants in there.
00:20:55.680 | They have plenty of business.
00:20:56.680 | Lots of people use it.
00:20:57.680 | But for you, the discerning radical personal finance listener, I don't see a ton of value
00:21:03.180 | there.
00:21:04.180 | I'd rather you work with somebody who could take the time to go and give you advice.
00:21:09.840 | Don't forget about the volunteer income tax assistance program, the VITA program from
00:21:15.220 | the IRS.
00:21:16.220 | The IRS brings in volunteers who will sit down and provide some free basic income tax
00:21:23.100 | preparation for you if you make under about $54,000 per year.
00:21:28.140 | Look on the IRS website and you'll find options at irs.gov.
00:21:31.900 | You'll find options for the VITA, the volunteer income tax assistance program.
00:21:36.140 | And if you're under that situation of under $54,000, I think that would also be a good
00:21:40.820 | option.
00:21:41.820 | It will save you money.
00:21:42.820 | I like to save people money.
00:21:45.760 | Now in closing, here's what I would recommend you do for next year.
00:21:49.500 | It's March.
00:21:50.680 | If you're finding yourself caught in the grip of madness, of tax madness, recognize the
00:21:56.100 | problem and commit yourself to making it different next year.
00:22:00.780 | If that means you need to hire a bookkeeper, hire a bookkeeper.
00:22:04.660 | The cost of a good bookkeeper is not going to be very much in terms of the time that
00:22:09.760 | it frees you up if you're a business owner, high income owner, the time that it frees
00:22:13.800 | you up to be able to pursue other things.
00:22:16.160 | And you need to have those good records.
00:22:17.780 | If you have fought for the last year and you weren't maintaining a transaction record of
00:22:23.860 | every single one of your transactions kept up to date, it's time to look into hiring
00:22:28.700 | a bookkeeper.
00:22:29.800 | Don't fool yourself.
00:22:30.800 | Stop trying to convince yourself you're going to change.
00:22:32.980 | You're obviously not.
00:22:33.980 | You haven't changed thus far, so you're obviously not going to change in the future.
00:22:37.140 | Hire somebody.
00:22:38.740 | And if that ticks you off because I said you're obviously not going to change, then let that
00:22:42.940 | anger cause you to go and change.
00:22:45.380 | But you can hire a bookkeeper very, very inexpensively.
00:22:48.300 | And take your tax return, however you get it done this year, and then next month give
00:22:53.660 | the accountants time to get through, wait till May.
00:22:56.820 | Let them get through April.
00:22:57.820 | Let them get through the busyness and the craziness.
00:23:00.220 | Middle of May, schedule an appointment with an accountant in your area for a consultation.
00:23:06.900 | And take into that meeting your tax return, a couple of previous years' tax returns if
00:23:11.100 | you can, and also take in with you your profit and loss statement for your business.
00:23:18.460 | And have them look at those pieces of data and try to give some proactive advice.
00:23:25.740 | Because right in the middle of the year, June, May, June of 2017, that's a great time to
00:23:30.460 | do tax planning because you got six months left.
00:23:34.140 | And that's when you can make a difference.
00:23:37.140 | It's too late for last year, but you're right on time for this next year.
00:23:44.780 | Try out a tax program.
00:23:45.780 | Remember, you can get it for free using the IRS Free File System.
00:23:49.780 | You can get help from a volunteer income tax preparation person.
00:23:55.540 | And make sure you have good records.
00:23:57.940 | And next year, your experience can be very different.
00:24:01.140 | I know this is short and to the point.
00:24:04.060 | If you have questions that have been raised, go ahead and come on by today's show at RadicalPersonalFinance.com.
00:24:09.220 | Put those questions in the comments.
00:24:10.300 | I'll hang out there in the comments on today's show and do my best to give you some answers
00:24:13.620 | on this.
00:24:14.620 | I know this is timely content and the tax deadline is piling up.
00:24:18.500 | So come on by and do that.
00:24:20.020 | Thank you to several new patrons who have subscribed to the show in the last few days.
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