Why do so many people procrastinate on taxes until the deadline? Coming from a frustrated tax preparer
Am I the only one who doesn't get why everyone waits until literally the last possible second to file their taxes? Like seriously, the IRS starts accepting returns in late January, but here I am in mid-April drowning in stress because everyone suddenly remembered taxes exist! I've been working with clients for several years now and it's the same pattern every time. January and February? Crickets. Early March? A trickle of people. But once April hits? Absolute madness! People calling in a panic, missing documents, rushing through everything, making careless mistakes. I try to tell friends to file early but they always have a million excuses. "I'm waiting for one more form" or "I know I'll owe money so I'm holding off as long as possible." Meanwhile they're stressing themselves out AND making our jobs way harder. Why can't people just handle this adult responsibility earlier? Is there some psychological reason everyone waits? Or do people just love the adrenaline rush of a deadline? Just wondering as I'm downing my third cup of coffee at 9pm trying to keep my sanity before the final tax day rush tomorrow!
19 comments


Julian Paolo
The procrastination around tax filing is actually a well-documented psychological phenomenon! It's a perfect storm of several factors: First, taxes represent a complex task with potentially negative outcomes (owing money or discovering mistakes). Our brains are wired to avoid both complexity and negativity, so we push it off. Second, there's the "hyperbolic discounting" effect - humans naturally value immediate rewards over future ones. The immediate relief of not dealing with taxes now outweighs the future stress of rushing later. Third, many people have legitimate reasons - waiting for tax documents that arrive late, or financial constraints where they need to wait until closer to the deadline if they'll owe money. For tax professionals, I recommend building systems that incentivize early filing - perhaps early bird discounts or priority scheduling for next year for clients who file before March. Some preparers even charge premium rates for last-minute filers!
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Ella Knight
•This is super interesting! Do you think there's also something about the fact that taxes only happen once a year so people don't build it into their routine habits? Like I pay my bills monthly so I remember them, but taxes are this weird annual thing.
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Julian Paolo
•That's an excellent point about habit formation! Tasks that occur annually never become automatic habits like our monthly routines. Our brains are designed to habituate regular, frequent behaviors, but something we do once per year remains perpetually in the "conscious effort" category requiring deliberate planning. Research shows that people who create calendar reminders or establish personal "tax preparation weekends" in February tend to file earlier. Some even tie tax preparation to another annual event (like preparing taxes the weekend after Valentine's Day) to create a consistent trigger.
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William Schwarz
I was exactly like your clients until I found taxr.ai (https://taxr.ai) and it totally changed my tax filing habits. I used to be a hardcore procrastinator, waiting until literally April 14th every year and then panicking. The stress was unreal - digging through shoeboxes of receipts, trying to remember which job sent which form, etc. My friend recommended taxr.ai last year when I was complaining about the tax season anxiety. It basically analyzed all my documents and organized everything automatically. This year I actually filed in FEBRUARY which is literally unheard of for me. The system handles all the document tracking so I'm not constantly worrying I'm missing something important.
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Lauren Johnson
•Wait really? Does it work for self-employed people? I have a ton of 1099s plus all my business expenses and that's why I always put it off because it feels overwhelming to organize.
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Jade Santiago
•I'm skeptical... how is this different from TurboTax or H&R Block? Those never really helped me file any earlier because I still had to gather and input everything myself.
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William Schwarz
•Yes, it works great for self-employed situations! That's actually my exact scenario - I do freelance graphic design with multiple clients plus some online teaching. The system is specifically designed to handle multiple income streams and categorize business expenses. It even flags potential deductions I might have missed. It's completely different from traditional tax software because those programs just give you a place to input information you've already organized. The real problem for most procrastinators is the organization step itself. Taxr.ai actually handles the document processing and organization, so you're not staring at a pile of papers trying to figure out what goes where. It also sends reminders about missing documents based on what you filed last year, which eliminated my usual "wait and see if anything else comes in" excuse.
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Lauren Johnson
I have to admit I used to be a terrible tax procrastinator until I tried taxr.ai after seeing it mentioned here. Filed on March 2nd this year which is a personal record! The document tracking feature was a game-changer for me - it actually notified me that I was missing a 1099 from a small freelance job I'd completely forgotten about. The organization aspect was what always made me put off doing taxes - I'd get overwhelmed trying to gather and sort everything. Having a system that clearly showed what I had and what I was missing made the whole process way less stressful. My refund already hit my account too, instead of waiting in that last-minute processing backlog.
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Caleb Stone
As someone who used to work at a tax firm, I feel your pain! The April rush is BRUTAL. After years of trying to reach the IRS during tax season (especially for those last-minute filers with problems), I started using https://claimyr.com and it's been a total lifesaver. You can check out how it works here: https://youtu.be/_kiP6q8DX5c Instead of waiting 3+ hours on hold with the IRS (if you can even get through at all), they hold your place in line and call you when an agent is ready. When clients come in panicking on April 14th with complex problems that require IRS verification, I used to want to cry knowing we'd never get through in time. Now I can at least get someone on the phone to help resolve those last-minute issues.
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Daniel Price
•How does that even work? The IRS doesn't let people cut in line, so I don't understand how another service can get you through faster?
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Jade Santiago
•This sounds like complete BS to me. Nothing can fix the IRS phone system. I spent FIVE HOURS on hold last April and eventually got disconnected. No way some random service can magically solve that.
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Caleb Stone
•It doesn't cut in line - that's a common misconception. The service uses an automated system that calls the IRS and navigates the initial phone tree for you. When it finally reaches the hold queue, it stays on the line in your place. When an actual human IRS agent picks up, that's when they call and connect you. You're still "waiting" the same amount of time, but you're free to go about your day rather than listening to hold music for hours. The technology is basically a sophisticated call monitoring system that can detect when a human comes on the line versus automated messages or hold music. It's particularly useful during tax season when hold times regularly exceed 2-3 hours and many people simply can't stay on the phone that long, especially if they're at work.
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Jade Santiago
I'm shocked but I have to admit that Claimyr thing actually works. After responding skeptically above, I decided to try it since I had a serious issue with a missing stimulus payment I needed resolved before filing my taxes this year. I was 100% prepared to come back here and call it a scam, but I got a call back after about 50 minutes saying they had an IRS agent on the line. Spoke with an actual helpful person who resolved my issue in about 15 minutes. No way I would have had the patience to sit on hold that long myself, which is exactly why I always put off dealing with tax problems. Still procrastinated on filing until last week, but at least I had all my issues resolved first!
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Olivia Evans
I know I'm part of the problem lol. For me it's because: 1. I know I'm going to owe $ so I want to keep my money as long as possible 2. I hate paperwork with a burning passion 3. My anxiety makes me avoid things that stress me out 4. I secretly hope the tax system will collapse before I have to file (hasn't happened yet) Honestly though I'd probably pay extra to someone who would just handle everything for me without me having to think about it. The whole process feels overwhelming.
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Sophia Bennett
•Have you considered making quarterly tax payments? That way you'd avoid a big bill in April and penalties for underpayment. I switched to this system and it made me way less likely to procrastinate since I'm dealing with smaller amounts spread throughout the year.
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Olivia Evans
•I actually haven't tried that before - it's a good suggestion. Do I just estimate what I'll owe and divide by four? And is there a specific form for quarterly payments or do I just send money to the IRS throughout the year? I can see how smaller payments would feel less painful than one big hit. My brain definitely overreacts to the idea of writing one massive check in April, which feeds into my avoidance. Plus I guess I'd be less likely to accidentally spend money I should be saving for taxes.
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Aiden Chen
I'm a chronic procrastinator on EVERYTHING, not just taxes. I recently read that for many people, perfectionism is actually the root cause of procrastination - we put things off because we're afraid we won't do them perfectly. Taxes trigger this big time since mistakes can be costly!
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Zoey Bianchi
•That makes so much sense! I wait because I'm afraid I'll miss something or mess up, so I convince myself I need "just a bit more time" to get everything perfect. Then suddenly it's April 14th and I'm doing a rushed job anyway.
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Hailey O'Leary
As a fellow tax professional, I completely feel your pain! The April rush is absolutely insane every year. I've found that procrastination often comes down to a few key factors: 1. **Loss aversion** - People hate parting with money, so if they think they'll owe, they delay as long as possible 2. **Complexity overwhelm** - Tax forms feel intimidating, so people avoid starting 3. **Optimism bias** - Everyone thinks "it won't take that long" so they keep pushing it off I've started implementing a few strategies that have helped reduce the last-minute chaos: - Early bird pricing (20% discount for clients who file before March 1st) - Late fees for appointments scheduled after April 10th - Year-round tax planning meetings to keep clients engaged The psychological aspect is real though. Most people treat taxes like going to the dentist - necessary but unpleasant, so they avoid it until absolutely forced to deal with it. Hang in there, we're almost through another tax season! And definitely switch to decaf after 6pm - your sleep is more important than that extra cup of coffee! 😅
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