Sometimes our value includes telling clients to pay 8% interest to IRS while leaving their funds invested in stocks like INTU, which gained 12.5% just today.  That's exactly what I did with two returns I completed today. One client is paying $161 while their investment account grew by 20% last year.  The other is paying $671 while her IRA grew by 5% even though she had to withdraw 8% of it.  Both have most of their funds invested in mutual funds at Fidelity.  Past performance is no guarantee of future results but still -- there's more to life than worrying about taxes every two or three months.