Unfortunately there are millions like him.
The year to date is already on pay checks. It makes no difference, even it was put in bold.
But making people file quarterly and WRITE A CHECK for their taxes owed would make a huge difference. They would actually feel the pain of taxes.
And further on the refund idiot, how often have you heard someone respond to the question "how much do you earn" say "I bring home X."
Since taxes are already taken out and they base everything on their net check most people actually have no idea what their earnings are.
this is true of me... I have no idea how much I actually make. I recently got a raise and my 401K deductins FINALLY kicked in (after almost two years with the company), and paychecks are automatically deposited to my account, AND my boss is too lazy to give out paystubs until they start piling up on his desk. So I only have a rough estimate of what I'm making pre-tax right now.