Even Genius Has Its Limits: Why Einstein Left His Taxes to a Pro | Schwartz & Seifert CPAs

Albert Einstein bent time, reimagined gravity, and explained why light behaves the way it does. And every spring, like the rest of us, he handed his tax papers to someone else.

That is not a knock on Einstein. It is one of the most quietly brilliant things about him. The man who rewrote physics knew exactly where his genius ended, and he was not too proud to ask for help on the other side of that line. If you have ever stared at a tax form and wondered whether you are the problem, take heart: you are in remarkably good company.

Lunch, relativity, and a very honest confession

The story comes from Leo Mattersdorf, a New York accountant and tax consultant who prepared Einstein’s income tax returns from the time Einstein arrived in America in 1933 until his death in 1955. In a letter published in Time magazine on February 22, 1963, Mattersdorf shared a memory from one tax season.

He was at Einstein’s home in Princeton, New Jersey, working on the professor’s return, when Mrs. Einstein invited him to stay for lunch. Partway through the meal, Einstein turned to him with a chuckle and said:

“The hardest thing in the world to understand is income taxes.”

Albert Einstein, as recalled by Leo Mattersdorf, Time, 1963

Mattersdorf, being a good sport, countered that relativity had to be harder. Einstein disagreed: relativity, he insisted, was easy. That is when Mrs. Einstein delivered the best line of the afternoon, noting dryly that it was easy for him.

This was not a one-off joke from someone Einstein barely knew. The two were genuine friends. Einstein visited the Mattersdorf family on Long Island, gave Leo a telescope as a gift in 1938, and even proofread Leo’s book on astronomy. The physicist trusted his accountant with his finances, and the accountant shared his love of the stars.

And Einstein said much the same thing in public. In March 1944, the Associated Press reported that he had to call in a tax expert to help with his return, quoting him as calling it a question too difficult for a mathematician, one better suited to a philosopher.

Why was Einstein right?

Here is the thing: Einstein was not just being modest. Physics, for all its difficulty, plays by consistent rules. The speed of light was the same in 1905 as it is today. Gravity does not get amended in committee.

The tax code is a different animal. It is written by people, revised by people, and interpreted by people, and it changes constantly. The IRS’s own National Taxpayer Advocate reported in 2012 that Congress had made nearly 5,000 changes to the tax code since 2001, more than one a day, and that the code had grown to nearly four million words. A later report from the same office estimated that individuals and businesses spend about six billion hours a year just complying with filing requirements.

So when Einstein, whose Nobel Prize recognized his work on the photoelectric effect, said taxes were harder than relativity, he had a point. Nature’s laws hold still. Tax law keeps moving. Keeping up takes someone who follows it every single day.

Three “genius” habits that make tax season easier

You do not need a chalkboard full of equations to take control of your taxes. You need a few smart habits and the right people in your corner.

1. Keep your records tidy all year, not just in April

The shoebox of receipts is a time-honored tradition we would happily retire. When you track income and expenses as they happen, and keep business and personal spending separate, deductions stop slipping through the cracks. Modern cloud accounting tools make this easier than ever, and your future self (and your CPA) will thank you.

2. Let your retirement savings do double duty

Contributing to a traditional 401(k), traditional IRA, or SEP-IRA can lower your taxable income today while your savings grow tax-deferred for tomorrow. For 2026, the IRS raised the 401(k) employee limit to $24,500 and the IRA limit to $7,500. If you’re 50 or older, catch-up contributions let you put away even more, and workers aged 60 to 63 get an extra-large catch-up in their 401(k). Roth accounts work differently, trading today’s deduction for tax-free withdrawals later, and traditional IRA deductions can phase out at certain incomes. We can help you sort out which mix fits you.

3. Plan before December 31, not after

Good tax strategy shapes the year ahead instead of just reporting the one behind you. Many of the most useful moves, like timing income, accelerating eligible business purchases, or maxing out workplace retirement deferrals, have to happen before the calendar flips. Since we are already in the fourth quarter, now is the perfect moment to sit down with your CPA and make a plan.

You do not need a Nobel Prize to get this right

The real lesson of Einstein’s tax story is not that taxes are impossible. It is that the smartest people know which problems to hand off, so they can pour their energy into the work only they can do.

For Einstein, that meant the mysteries of the universe. For you, it might be growing your business, raising your family, planning a well-earned retirement, or simply getting your evenings back. Whatever your big idea is, we would love to help protect the time you spend on it.

At Schwartz & Seifert CPAs, we follow the tax code so you do not have to. We help you find savings, stay compliant, and build a financial strategy that makes sense for your life. Think of us as your Leo Mattersdorf, minus the 1930s commute to Princeton.

Ready to make taxes feel a little less like rocket science? Year-end is coming fast, and the best time to plan is now.

Schedule a consultation

Curious about the other side of Einstein’s comparison? The U.S. Department of Energy has a friendly, plain-English explainer: DOE Explains… Relativity. Judge for yourself whether it’s easier than your tax return.

References

Written By

Stephen Seifert, CPA, CFE

Stephen Seifert is a Certified Public Accountant (CPA), Certified Fraud Examiner (CFE), and Partner at Schwartz & Seifert CPAs. With more than 30 years of experience in accounting, financial management, auditing, business operations, risk management, and internal controls, Stephen brings both technical expertise and real-world business experience to his work with clients. He enjoys helping individuals and businesses make sense of their finances, plan ahead, manage risk, and make sound financial decisions without making things more complicated than they need to be. His background includes serving as a senior federal financial auditor and advisor with the Pension Benefit Guaranty Corporation, a forensic and performance auditor with the U.S. Environmental Protection Agency Office of Inspector General, and served as a compliance auditor with the Defense Contract Audit Agency (DCAA), leading comprehensive financial and regulatory audits for major Defense Industrial Base contractors, including a Fortune 100 defense and aerospace firm. He also spent 20 years as a President, CEO, and CFO, overseeing financial operations, budgeting, contracts, strategic planning, compliance, and day-to-day business management. At Schwartz & Seifert CPAs, Stephen combines this broad experience with a personal, practical approach to help clients understand where they stand today, prepare for tomorrow, and feel more confident about their financial future.


This article is intended for general educational purposes and should not be construed as tax advice. Please consult a qualified professional regarding your specific situation.