Anything I read to the end is 'read', even if I skip a few paragraphs here or there (rarely). Anything else is a DNF, whether I quit after 5 pages or 200.

Yes, it does.

Free up to a certain income https://www.freetaxusa.com/?CMP=105&gclid=Cj0KCQiAo-yfBhD_ARIsANr56g7AMZL-jPvb7FpbvVzvXHcPaBXYYkOy2l8gqiGy8s1MFaBU2KFkhYAaAk3fEALw_wcB

I use this. It walks you through everything step by step.

Do you have friends/family/coworkers/schoolmates with whom you can exchange books?

If you donate something to a free library, you aren't responsible for what someone reads as it is their choice. History is history. It can't be changed. All the terrible things that happened in the past shouldn't be swept under a rug. People should learn from it instead of closing their eyes to it.

Do you like time travel books? I loved 'Time and Again' by Jack Finney. It does have some pictures scattered throughout, but it is predominantly text. Maybe instead of quitting cold turkey on the pictures, this will help wean you off of them.

Oh man, shopping for health insurance is a PITA because there are so many factors to look at. I can tell you what I do, but that doesn't mean it's the right thing. In a way, going for a low premium can save you money because no matter what, that money is gone once it's spent because it doesn't go toward deductible or OOPM (out of pocket max). I usually put a heavy weight towards the OOPM, because if things go bad, that's all you pay, assuming all your procedures are in-network. I also usually put a strong emphasis on co-pays for doctors and meds. I'd rather have a fixed amount for something like that instead of having to pay a percentage for everything which doesn't even kick in until after the deductible has been paid. Have you checked out the cost of medications? Very expensive. Having my my docs and meds covered is a must-have when chooing my plan. Also check and make sure your local hospital is covered under the plan you're contemplating. (I had Optima a few years ago and found out later that they didn't cover anything from one of my local hospitals. That was totally not acceptable. Luckily there are two hospitals where I live and the other one was covered. Nevertheless, I'll never go back to Optima.) I did the HSA thing a few years ago and wish I hadn't. (I was mistakenly under the impression that you had to have a HSA account to be considered for a HSA compatible plan which was the one I wanted.) However, if you are not good at saving money and keeping your hands off of it, it's probably a good thing to have a HSA because you have to use it for medical stuff. If you do open a HSA account I would suggest staying away from Fidelity. They have good ratings and I like their website for my account. What is bad about them, in my opinion, is that they don't send out the applicable year-end tax statement until mid-late May, which is after the IRS tax filing deadline. That causes all kinds of issues as far as I'm concerned.