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What if the government filled out your tax form for you?

Quoted: “I do believe the U.S. has one of the more convoluted structures and also requires a lot more effort to understand,” says Cliff Robb, who teaches about personal finance and human behavior at the University of Wisconsin-Madison.. “It forces individuals to engage much more directly with the tax system than other industrialized countries.”

Even for people who don’t pay fees to a tax preparer or for tax prep software, there’s a significant “opportunity cost” to filing, he says.

“Most people are going to take a weekend or a couple of days,” says Robb. And it’s not just time. “It creates more stress than is necessary, I believe.”