It is April 15th. After keeping excellent track of all your expenses, receipts and charitable giving all year - after the countless questions from your tax person and several hours of waiting in hot airless offices, you learn that you owe thousands of dollars again this year. You somehow manage to resist the urge to throw your head right into the sand or crawl under your covers until the stress, worry, anxiety and debt go away. In the morning, you manage to get up, shower a