生活

医師の確定申告 自分ですべきか外注すべきか?

皆さんこんにちは。

今日は3月15日。突然ですが、確定申告ってどうしてますか?

今回は、自分ですべきか、外注(税理士に依頼)すべきか、考えます。

はじめに

先輩ドクター
先輩ドクター
3月になったからそろそろ確定申告しないとな。
研修医上がりの筆者
研修医上がりの筆者
え、なんスか、それ?
先輩ドクター
先輩ドクター
お前も研修医終わってバイトするようになったんだから確定申告しないと脱税になるからちゃんとやれよね。
研修医上がりの筆者
研修医上がりの筆者
だ、ダ、脱税!?

え、ちょっと詳しく教えてくださいよ!!!

先輩ドクター
先輩ドクター
よくわかんないよ、いつも実家の医院の税理士さんに頼んでっから。

僕の確定申告との出会いは、そんなやり取りでした。。。

医師は本所属の施設以外からの給料を頼みに生計を立てることが一般的ですから、当然確定申告と切っても切れない縁があります。今回は、そんな確定申告について私見を述べさせていただきます。

尚、「確定申告の方法」を述べる投稿ではないことをあらかじめご容赦ください。

医師と確定申告は切っても切り離せない

医師にとって、確定申告はほぼ必須の事項といえると思います。

若手の頃はバイトをすることが多いですから、なおのことですね。

よほど、自施設の給料に満足(市中病院など?)している場合を除き、必要になると思います。

勿論税理士さんにやってもらう方が正確で、所要時間も少ないですが、私は、少なくとも若手の医師のうちは、自身で確定申告をすることを推奨します。

勿論、ただただ源泉徴収をもって税務署に行って投げつける、なんてのはご法度です。

原則は、きちんと、自分で作って、完成した状態で、郵送 or eTAXで送付です!

確定申告を行うと、「気付き」がある。

確定申告を自分ですると、人生が少しずつ進んでいくのがよくわかります。

・若手の頃・・・自分の給与と社会保険、源泉徴収を計上する、のみ。

・結婚すると・・・配偶者控除が発生する

・保険に入ると・・・生命保険控除が発生する

・子供が生まれると・・・(主に住民税用だが)扶養者親族控除が発生する

・株などを行うと・・・先物取引の所得が発生する

・製薬会社の講演会依頼や、依頼原稿を行うと・・・雑所得が発生する

・節税を考える・・・ふるさと納税を始める

・家やマンションを購入すると・・・住宅ローン減税が発生する

・副業(不動産賃貸業など)を行うと・・・個人事業主として、減価償却や経費計算が発生する

このように、確定申告には自分の人生の歩みが反映されるのです。

これらの記入は、1回目にきちんと調べて取り組めば、次年度は極めて簡単です。

忘れるようなことはありません。

ただし、1回の確定申告に2個以上の新たな項目が発生すると、ちょっと大変かもしれません。

特に、住宅ローン減税の初年度と、不動産業の初年度は、小一時間必要です。

まぁ、それでも、必要な紙をそろえておけば、(資料:11月くらいに送付されるものをちゃんと取っておけば)、筆者は暇な当直の夜で十分な睡眠時間を確保して作成することができました。

勿論、人生の出来事は制御できないのですが、毎年一個つずつ新しい項目を入れていくのは、全然難しくないです!

その結果、いつのまにか自分で申告できる内容が増えて、その周辺の税金の仕組みもわかるようになります。

一人の社会人として、自分のお金の管理を自分でできないのは恥ずかしいですよね?

あんなに大量の患者さんの命を管理しているのに・・・

セルフ確定申告のススメ

というわけで、医師の確定申告は外注すべきか自分ですべきか、私見を述べました。

自分は圧倒的に まずは自分で! の意見です。

このブログでは、時々、副業のことや、節税について思うことも今後書いていこうかと思っています。

長くなりましたので、今回はいったんココまでです。

ご意見いただければ幸いです。よろしくお願いします。

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