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Michael S.
It’s funny: We live in this refund culture where everyone tries to maximize their income tax refund, thinking it’s some sort of revenue windfall. Truth is, unless you qualify for certain credits, your refund is fully just a return of money you loaned the government at 0% interest! So if you want to live thrifty and be happy when the government gives you that money back, that’s fine, but don’t be fooled: It’s your money to begin with. If you don’t want to loan the government as much or not loan them at all, just have your employer take less out of your paycheck (update your W-4!). Good luck!