That's fair. My point though is that with higher IRS funding, poorer people are probably going to get audited more, and if you're only using your W-2, you're probably missing something and could get caught with an audit.

Other things that could factor in:

• bank account bonuses - i.e. that $100 to sign up for an account or whatever (usually doesn't include credit card rewards, but that can also depend)
• gambling wins
• interest on inheritance money, if any