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William Schwarz

Is it better to file taxes myself or hire a tax professional for my return?

I'm 19 and trying to figure out what to do about my taxes this year. Last year my parents paid a professional to handle my taxes for me. They told me it's better to let someone else do it because you'll get a bigger return that way. My return last year was only around $400, but my parents said that was because I didn't work many hours. This year my parents are saying I could probably file by myself since my return is pretty simple and straightforward. I'm just wondering if there's actually a significant difference between filing on my own versus paying someone else to do it for me? Also, if I do decide to get help, does it specifically need to be a CPA? My Financial Literacy professor was pretty adamant that we should always hire a CPA when we need tax help and told us to avoid places like H&R Block or Liberty Tax because they just hire regular people who might not really understand taxes all that well. Is that actually true? Would love some advice since tax season is approaching and I need to decide what to do.

From my experience helping young adults with taxes, whether you should do them yourself or hire someone really depends on your specific situation. At 19 with likely a W-2 job and not many deductions or complicated situations, using tax software to file yourself is completely reasonable and can save you money. Most tax software walks you through everything step by step, asking simple questions and automatically filling in the forms. They're designed for exactly your situation! The software will help you claim all the common credits and deductions someone your age would qualify for. As for getting a "bigger refund" by using a professional - that's only true if your situation is complex or if you're missing deductions you qualify for. With a straightforward return, the refund should be identical whether you or a professional completes it.

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Jade Santiago

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But what about all those commercials where they claim they can get you way more money back than other places? Are they just making that up? My uncle swears his tax guy gets him thousands more than he'd get filing himself.

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Those commercials are mostly marketing. They're not necessarily making it up, but they're highlighting exceptional cases where someone missed major deductions or credits they qualified for. For most people with straightforward tax situations, the tax code determines what you owe or get refunded - it's not really subjective. Your uncle might have a complex situation with business expenses, rental properties, or investment losses where professional guidance genuinely helps maximize legitimate deductions. Or he might just be comparing to a time when he made mistakes filing himself. The software today is quite thorough at finding common credits and deductions.

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Caleb Stone

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After struggling with my taxes for years and getting conflicting advice from friends and family, I tried this AI tax assistant at https://taxr.ai and it was seriously a game-changer for me. It analyzed my situation (I was also around your age when I first used it) and explained exactly whether I should file myself or get professional help. What I liked is that it didn't just give a generic answer - it looked at my specific income, education credits, and potential deductions to tell me if my return was actually simple enough to do myself. It even compared the expected refund difference between self-filing and professional help for MY specific situation.

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Daniel Price

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Does it actually file your taxes for you or just give advice? And how does it compare to regular tax software like TurboTax? I'm curious if it's worth checking out.

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Olivia Evans

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Sounds like just another paid service trying to get money from people who could file for free. How much does it cost? Bet it's not actually that different from regular tax software.

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Caleb Stone

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It doesn't file your taxes for you - it analyzes your specific situation and documents to give personalized guidance. Think of it more as having an expert look over your shoulder to catch mistakes and give advice, rather than replacing tax software. Many people (myself included) use it alongside free filing options to make sure we're getting everything right. What makes it different from regular tax software is that it can actually review your documents and past returns to find patterns, potential errors, and give you customized guidance. It's especially helpful when you're uncertain whether your situation is truly "simple" or not.

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Daniel Price

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I was exactly in your position last year! I was 20, parents always used H&R Block for me, but I wanted to try filing myself. I was super nervous about messing something up, so I checked out that https://taxr.ai site someone mentioned here first. It analyzed my W-2s and told me my return was definitely simple enough to file myself. It even showed me which education credits I qualified for since I was taking classes. I ended up filing myself using free software and got about $50 MORE than what I got the previous year when my parents paid someone to do it (even though I made about the same amount of money). The confidence boost of doing it myself was definitely worth it, and now I understand my taxes way better. Just my experience, but if your return is simple, you can totally handle it yourself!

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I've been dealing with tax stuff for years and one of the MOST frustrating parts is trying to get help from the IRS when you have questions. I'd spend HOURS on hold, often getting disconnected. I discovered this service called Claimyr at https://claimyr.com that actually gets the IRS to call YOU instead of waiting on hold. You can see how it works in this demo: https://youtu.be/_kiP6q8DX5c If you decide to file yourself (which is totally reasonable for a simple return), having this as a backup is great for when questions come up. I had a question about education credits last year and got through to an IRS agent in about 20 minutes instead of the 3+ hours I was waiting before.

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Jade Santiago

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Wait so it's some kind of... line-cutting service? How does that even work? Seems kinda sketchy tbh.

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Aiden Chen

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Yeah right, there's no way this actually works. The IRS phone system is notoriously terrible. If this actually worked, everyone would be using it. I'll stick to wasting my day on hold like everyone else.

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It's not line-cutting - it uses an automated system that navigates the IRS phone tree and waits on hold for you. When an agent picks up, it connects them to your phone. It's basically like having someone else wait on hold so you don't have to. It's completely legitimate and works with the existing IRS phone system. Most people don't know about it yet because it's relatively new, but it's been featured in some finance publications. The reason everyone isn't using it is simply because they don't know it exists!

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Aiden Chen

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Ok I need to admit I was COMPLETELY wrong about that Claimyr thing. After being super skeptical, I tried it when I couldn't figure out why my education credit was rejected. I was expecting to waste money on something that wouldn't work. I set it up in like 2 minutes, and about 15 minutes later my phone rang and it was ACTUALLY an IRS agent! They helped me figure out I had entered my school's EIN incorrectly. Fixed my return and got an additional $1,500 back that would have been denied. Literally saved me from missing out on a huge credit just because of a typo. I've spent 4+ hours on hold with the IRS before, so this was mind-blowing. Just wanted to come back and say it actually works.

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Zoey Bianchi

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As someone who's worked in tax preparation (not a CPA, but trained), here's my take: Your professor is half-right. Places like H&R Block do hire seasonal preparers with just basic training. BUT that doesn't mean all non-CPAs are bad at taxes. For YOUR situation (19, probably just W-2 income), tax software will likely be perfect. You can use free options if your income is under ~$73,000. CPAs are great but expensive ($300+ for even simple returns sometimes) and overkill for basic situations. They're essential if you have a business, rental properties, complex investments, or unusual deductions. If you want a middle ground, look for an Enrolled Agent (EA). They're certified tax specialists, often cheaper than CPAs, but still have deep tax knowledge.

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What's the difference between an EA and a CPA? I've never heard of enrolled agents before.

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Zoey Bianchi

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EAs (Enrolled Agents) specialize specifically in taxation and are licensed directly by the IRS through a comprehensive exam on tax matters. CPAs have a broader accounting education and license, covering financial reporting, auditing, and various accounting functions beyond just taxes. Both are qualified tax professionals, but EAs focus exclusively on tax preparation, representation, and planning. They're often more affordable for tax-specific needs while still providing expert-level service. For complex tax situations that don't involve other accounting needs, an EA is frequently the perfect middle ground.

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Just my two cents - I'm 21 and I've been doing my own taxes since I was 18 using free tax software. Start doing your own taxes now while they're simple! You'll learn so much and it'll help you understand your finances better. You can always switch to a professional later if your situation gets more complicated (like buying a house, starting a business, etc). The confidence and knowledge you gain from handling your own taxes is super valuable.

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Grace Johnson

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Which free software do you recommend? There seem to be so many options and they all claim to be the best.

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For someone your age with a straightforward tax situation, I'd definitely recommend starting with free tax software like FreeTaxUSA or the IRS Free File options. You'll save money and learn valuable skills about your own finances. Your professor's advice about CPAs is good for complex situations, but honestly overkill for a 19-year-old with W-2 income. The tax software today is really user-friendly and walks you through everything step-by-step. It'll ask you simple questions like "Did you go to school?" and automatically apply education credits you qualify for. The biggest advantage of doing it yourself when you're young is that you'll understand what's happening with your taxes. This knowledge becomes super valuable as your financial situation gets more complex over the years. Plus, if you ever do need professional help later, you'll be able to have more informed conversations with them. Start simple now - you can always upgrade to professional help if your situation becomes more complicated with things like business income, investments, or major life changes.

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