Naw...For some people, it’s the only way they can save money...and they get it when they get their refund.,P>They don’t want you to overpay. Money is already budgeted...
“...it’s the only way they can save money...”
My brother-in-law would always get so excited when he got his refund. He’d go out for a big fancy dinner, a show, buy stuff he didn’t need and gamble the rest of it away. Every year. I mean - why not. It’s “free” money. (Never once thought to pay off some of the debt on his credit cards).
Although after he died and no money in his estate, my wife would get letters from his CC or debt relief programs and tell them he had passed away, send the death certificate, and BIL was off the hook in the end. Not the best way of becoming debt free IMHO.
“Why George Baily - you’re worth more dead than alive”
Idiots.