Filing taxes is one of the most daunting and potentially fear-inducing tasks when it comes to handling your finances. A recent study, though, found that fear to be even stronger in the younger generation.

In a piece published by nerdwallet.com, it was found that 80 percent of millennial tax payers (people 18-34 years old) have tax concerns, be it making a mistake or not getting their full refund. That number may seem really high, but when doing such a big task with minimal experience, some trepidation and anxiety should be expected.

And let’s give the youth a break, the same study found that 60 percent of taxpayers over 55 years old have some of the same concerns. With age then comes some increased confidence, but it is far from complete.

What I found more surprising in these findings is the fact that millennials filed their taxes by mailing paper returns at a higher rate than those over 35. The more I thought about it, however, the more those two forces seemed to play together.

First, I wonder if there is something to be said for the concrete nature of a paper return. It allows you to see all the numbers at once, giving a fuller picture at a glance. This may feel more real than inputting numbers into boxes on a computer screen. If you are at an age where taxes are new and causing some extra worry, there might be some comfort (even if subliminal and unacknowledged) that comes with the paper return.

Beyond that, however, I bet that many of those numbers are explained by having a tax professional at your side. This is not something one tends to use (and it may not be needed) when you are young, making a minimal salary and do not have much happening in your financial world beyond that salary. It is easy to understand how someone in that position figures they can handle a tax filing – even if not with complete confidence.

(Hey, I will even admit to having been there at some point …. Some point longer ago than I may care to think about or admit.)

As you get older, your financial picture hopefully gets more robust, but that also means it is getting more complicated. At that point, seeking the help of a professional makes more sense, and once you use one, your confidence level should rise … and you will no longer be scratching your numbers out on a paper return.

In response to nerdwallet’s findings, CPA Practice Advisor, put together a quick three-point list to help millennials start to gain some traction and confidence when it comes to thinking about taxes. They are simple steps, but ones that do not always get passed on.

Tax awareness is something that is not commonly thought about as part of a general education, and this is unfortunate. I would lump that in with knowing just how a credit card works and how one goes about getting a mortgage as knowledge gaps that should be addressed in some way before they are encountered in real life.

So if you have a child, keep their financial education in mind, even the parts that do not yet seem very pertinent. And if you are no longer a kid and still feel the need for some guidance, we are always here to help.