False - I made a mistake of closing an investment IRA account in 2009 when I was 57. In 2011 I received a letter from the IRS demanding over $40K resultant from that error - apparently there is a severe penalty for closing an IRA before age 65 which I didn't know. Of course they do not let you know right away, so penalties and interest add up quickly. Now I go to a CPA so at least I have someone standing behind me if there's a question. They can also e-file, which I don't know how to do. I am using a different CPA now since two years ago the one I had been employing didn't file my return until November (after I informed him that I needed it on file for my STAR property tax exemption). He never gave me an explanation why he waited, either.
I could do without television.