The fiscal cliff isn't going to make any tremendous effect on me right away. Since I don't fall into any problems with the alternative minimum tax, I don't have an issue with my 2012 taxes in terms of amount. All of us will have an issue with our tax returns and refunds if we are not able to get the fiscal cliff fixed and the debt ceiling raised. If we can't get it raised, we could end up in a situation where refunds can't be disbursed as the balance sheet for the government lacks the funds to do so. This is just one near term problem, but one that all of us will feel if this isn't resolved soon.