People like that are stupid. They could have a direct deposit amount put in a locked savings account (Xmas club).
Explain this to them and they come up with other excuses. I think some people think getting a “refund” is lowering their tax liablities.
“They could have a direct deposit amount put in a locked savings account (Xmas club).”
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She would have paid the early withdrawal penalty and got at it.
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