My Two Percent Worth

I’ve never aspired to be among the fabled “one percent” — our nation’s richest people. Thus I was surprised to learn, as the tax deadline looms, that I’m among the lesser known “two percent.” Seventy percent of tax payers qualify for Free File, a program that provides free tax preparation assistance and software. Only two percent of us take advantage of it. On average, says the IRS, taxpayers spend $261 annually for tax preparation services from companies like H&R Block or Turbotax or accounting firms.

Free File is (incredibly) provided by H&R Block, Turbotax, TaxAct — in all, 13 companies whose best interest is served by keeping our tax system as complicated as possible. Don’t look for Free File on their web sites. It’s a well-kept secret, accessible through the IRS site. It’s not like the limited free services offered from the companies’ web sites for people who are filing a 1040EZ or “simple” return. Free File users can earn up to $64,000, including investment earnings that require additional reporting forms, and they can itemize deductions. To learn why it’s such a hush-hush offering, listen to an entertaining podcast, “Out With the Old,” from On the Media. (Skip the first 12 minutes, then hang on for the full 16-minute interview, including a lively exchange with an apologist for the tax preparation industry.)

I stumbled onto Free File while trying to figure out which tax prep software to buy. I’d decided to try doing my own taxes again after giving up a couple years ago. Despite hiring someone to relieve me of tax-time frustration and stomach tension, I received a notice from the IRS last year that I owed more than $16,000 for 2014. I’d made a reporting error, which my accountant didn’t catch. I consulted a different accountant, who spotted the error within seconds and assured me that what I owed was nowhere near $16 K. She was right, and I learned that dealing with the IRS is not so scary. It requires only patience, a virtue I need to cultivate anyway.

While I chafe at the complexity and blatant inequities in our tax system, I am not, in principle, anti-tax. Taxes are the dues we pay to belong to an exclusive club. Membership in Club U.S.A. is limited to five percent of the world’s population. The many privileges I’ve enjoyed during my seven-plus decades of membership include personal safety and security, 13 years of tuition-free education, and freedom of movement (as long as I stay off airplanes).

I frequently don’t agree with how the club leadership spends my dues, but I have the right to speak up about that. And I have the power to change it — at the ballot box. So I had to smile when I hit “send” on my Free File return.


If you’ve finished your taxes, you might enjoy this speech by journalist T.R. Reid, author of “A Fine Mess: A Global Quest for a Simpler, Fairer, and More Efficient Tax System.” Could it be true that other countries know how to do this better?

If you’re still fretting over your tax return, you might find this meditation on mindful filing helpful.

Why haven’t you written?

Not long before she died at age 92, my mother described her vision of heaven: “Lots to do and plenty of time to do it.” Mother was not describing a place but a state of being. Her favorite state of being was to be doing. If Hamlet had asked Mother whether to be or not to be, her advice might’ve been, “Cut the soliloquy and do something!” Though she was a creative thinker, her retort to Descartes could’ve been, “I do, therefore I am.”

I inherited Mother’s “do” gene: her propensity for making impossibly long to-do lists, her ardor for multi-tasking, her weakness for piling just one more obligation onto a plate that is already heaping full. All this flies in the face of the current personal development movement that urges us to slow down and focus simply on “being.” I’ve attended the seminars, read the books. Still I awaken each morning thinking about all the “stuff” I’ve gotta do and wondering how I’m gonna get it done.

I’m reluctant to label myself as retired, but I surely echo the retirees’ lament: “When did I ever have time to work?” I’ve had no time to “work”—in my case work means to write—since last fall when I wrote an article for an environmental journal. My intent was to write similar pieces for other publications, but by the end of each day, I’ve had so much “stuff” to do, my brain is too tired to research, interview, and write.

And then there are these personal essays that started out as weekly newspaper columns decades ago, evolved into occasional emails to friends and family, and now I suppose qualify as a blog. The thing is, does the world really need another blog? According to, there are more than eight million blogs online already. A new blog is created every 7.4 seconds. You can go here to watch a depressing, real-time tally of daily blog posts. The numbers spin faster than wind chimes in a hurricane.

Who has the time, much less the interest, to read all that? Who needs it?

That’s what I asked myself all winter while pretending I didn’t have writer’s block. Writing is like taking your clothes off and running naked through the public square. That’s why Facebook makes me uncomfortable. I read some of the stuff people post and wish they’d put their clothes back on. When I make a judgment like that, I have to wonder if I’m among the less-than attractive nudies. That’s the block I’ve been facing for months. Writing is scary.

My mother was a writer of Christian education materials. I wonder if it ever scared her. We never talked about that. I recall only that she didn’t appreciate being interrupted when she was writing. I’d give anything for an interruption right now. Somebody, please call. Please send an urgent text message. Otherwise I’ll have to hit “send.”