Recent critical legislation changes have created obstacles that directly impact the daily lives of many American families. First, the fiscal cliff debate pushed back tax return processing and caused delays in the release of key tax forms. As a result, many taxpayers—especially students and families waiting for key credits—are feeling confused about taxes. The added financial pressure of delayed refunds and sequester cuts continues to push families to the edge of their budgets. As far as finances and taxes go, these are confusing times.