I spent four hours last night on a very complicated return. It really wasn't that bad, even though I had to download and read instructions on Health Savings Accounts and on early withdrawls from IRAs, not to mention daycare. I would much rather be in control of how this information is completed than letting a computer do it. I would rather argue with an IRS auditor than the software. My problem is not understanding the form, but instead actually coming up with four large for underwithholding in the Spring of last year. People who say paying is not the problem likely don't owe interest and penalties. The silly part is that I could get myself into this mess in the first place. If my employers filed business income taxes instead and passed on the deductions in my pay, I would not have had to go through this exercise, nor would I be further in debt to the United States than I already am for student loans.