inahandbasket

For what it's worth, having been unemployed for three years and having lived off my IRA to help me get by, I ended up owing a fair amount in taxes. I've been working with the IRS now for years and they are surprisingly reasonable. They do the "I AM BIG AND SCARY" parts, but when you call, and you talk to a human, you will find out that the person on the other end is actually interested in working with you very nicely.

And I have an Uncle Bob, too!