If that is a question based in fact i think u shou

If that is a question based in fact i think u should have someone else invest for you... If you make over 40k pay a professional to do your taxes and advise you on how to best position your income sources and liabilities to afford you the best returns/least penalties.. If you make less i suppose it doesnt realllyyy matter.. (Unless you own your own business) but yea bud pay the cpa you just be giving him a portion of what he saves you...