You know what really grinds my gears? Tax time. First you gotta wait for all the forms. Then you gotta get all the forms and books. Then the freaking calculations. Damn, I dunno how people do it. At least I won't have to go through all those headaches. I just do it online. But then the big part that really sucks.... I'll end up owing money on my state tax. And I won't be getting a federal one either. Tax time sucks when you don't have kids and know you're not getting money back. That's what grinds my gears.