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@robbie94 Don’t you factor those in when you file your W-4 at work? You can at least factor in enough so you are close and not getting a $15k refund.

@smolders If the government is giving someone money as a refund, then that person gave them too much all year. Since you owe them money, you used their money all year. Getting a refund just means the person planned poorly, and the bigger the refund, the worse the planning.