<prompt> Human: 2015 will be the first year that both my wife and I are employed full time. We have mostly been in school preiviously. Until now we did our taxes using software TurboTax. As far as we can tell this has worked out just fine though its probably one of those things that is fine until it isnt.We now make salaries, have retirement accounts through work, invest in IRAs and make personal investments. Make donations, pay loans, etc etc etc.My question is when does it become time to upgrade to a human accountant? What present factors should I be looking at? What future factors should I keep in mind? Thanks in advance for your help.  <response>: Nothing youve mentioned indicates the need for an accountant. TurboTax walks you though everything pretty thoroughly. Accountants are good if you have a lot of self-employed business expenses, unusual types of compensation, stuff like that. IRAs and student loans are really standard and straightforward. 