: I haven't filed a return to the IRS in 10 years My employers have always withheld taxes and for the most part I've assumed they've done it right. I have probably owed a bit some years and been owed a refund some years.

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Talk to an accountant who practices tax accounting, not a income-tax filing service such as H&R Block, making sure that the accountant is at least an Enrolled Agent (EA) with the IRS. You might owe back taxes plus interest plus penalties (yes, there is a penalty for failure to file a tax return even if you do not owe the IRS any money and even are due a refund). Refunds that you might have gotten in years before 2008 are gone; you cannot claim them by filing a belated return, but taxes owed going back all the way to Year One are still due and are accumulating interest even as we speak.