"Early on, most of these cases are very manageable. But as time goes on, it's not just about money, it's about control. There's a big difference between someone who comes in after two or three years versus someone who waited a decade. The person who comes in early, we usually have a clean path. Options are open. The people who waited, same underlying situation, but now we're dealing with layers of complexity that didn't need to be there. More years, more accounts, more variables. It's still fixable, but the margin for error gets tighter. If there's one concept that really matters here, it's timing. Before the IRS gets involved, you generally have more flexibility and more control over how things are handled. Once the IRS steps in, your options narrow. The process becomes reactive instead of strategic. And a lot of people tell themselves, I'll deal with this later when I have more time. But later, it usually means fewer options."