If you’re doing your business taxes with TurboTax, congrats; you’ve basically subscribed to Uncle Sam’s OnlyFans. You’re paying way too much, getting nothing of real value, and leaving the whole experience with a deep sense of regret.

TurboTax is fine if all you’ve got is a W-2, a cat, and a caffeine problem. But once you’re running a business? That “easy button” is less of a shortcut and more of a financial thirst trap. You think you’re saving time and money, but really you’re just handing Uncle Sam your login credentials and saying, “Take whatever you want, Daddy.”

And here’s the kicker: you don’t even realize you’re getting screwed. DIY software doesn’t spot deductions, it doesn’t plan for the future, and it sure as hell doesn’t fight for you when the IRS slides into your inbox with a “we need to talk” letter.

1. Missed Deductions = Voluntary Charity to the IRS

Filing your own business taxes is like going grocery shopping blindfolded; you’ll miss half the good stuff and pay triple for the basics. Every year, small business owners casually skip over thousands in legal deductions. That’s not “being safe.” That’s donating to Uncle Sam’s vacation fund. Spoiler: he’s not sending you a thank-you card from Cabo.

2. Bad Classifications = IRS Tinder Swipes

Misclassify an expense or employee, and you’ve basically swiped right on an IRS audit. That “oops” you thought was no big deal? The IRS calls that penalties and interest. They don’t give a rat’s ass that you clicked the wrong dropdown. They care that you now owe them enough money to fund a small yacht.

3. Zero Strategy = Playing Checkers While the IRS Plays Chess

The real money in taxes isn’t in filing. It’s in planning. Think retirement accounts, expense timing, entity structuring, income shifting. It’s chess, not checkers. And if you’re not playing strategically? You’re just another pawn Uncle Sam cheerfully sweeps off the board.

4. Software Doesn’t Save You. Pros Do.

Here’s a little confession: I don’t do my own taxes. Why? Because I like my sanity and my bank balance. A good tax pro doesn’t just “file your return.” They dig into the couch cushions of your business finances and pull out the money you didn’t even know you lost.

That’s one of the reasons why Credit Banc partnered with Kevin O’Leary’s Tax Hive. His team doesn’t just plug numbers into boxes. They hunt. They protect. They keep Uncle Sam’s grubby hands out of your pockets. And here’s the best part: if they can’t find you at least $10,000 in deductions, they’ll literally give you $100 just for wasting your time. Name another OnlyFans creator with that kind of guarantee. (Click here to schedule a free call with them!)

5. Mixing Personal and Business = Audit Foreplay

Running your business expenses through your personal account (or vice versa) is like drunk-texting your ex. Feels harmless in the moment, but it will absolutely come back to haunt you. The IRS loves nothing more than blurred lines between personal and business. To them, it’s foreplay. And the climax? An audit so brutal it makes Fifty Shades look like a Hallmark movie.

6. Waiting Until April = Procrastination Porn

If your tax “strategy” is dumping a year’s worth of crumpled receipts on your accountant in April, you’ve turned tax season into procrastination porn. You’re not just late; you’re screwing yourself out of year-round planning that could have saved you a small fortune. Real tax pros play the long game. You? You’re just binge-watching Netflix while the IRS racks up late fees and missed opportunities on your tab.

The Bottom Line

TurboTax is fine if you’re filing a simple return. But if you’re running a small business and relying on DIY software, you’re not “being smart”—you’re basically moonlighting as the IRS’s sugar daddy.

Stop tipping Uncle Sam for free. Get a team that actually fights for you, saves you money, and keeps your ass covered when things get messy.

Because taxes aren’t just about filing forms; they’re about keeping what you’ve earned. And no software button is going to do that for you.