I don't understand why the pain of filing is connected to the pain of spending money.
If a politician raises taxes, and all it does is change the value of a annual withdrawal on your account, I think that pain would be the same, regardless of difficulty of filing.
If a politician raises taxes, and all it does is change the value of a annual withdrawal on your account, I think that pain would be the same, regardless of difficulty of filing.
The pain is estimating and filing 4 times a year.