Quote:
Originally Posted by DaFace
Well, what I mean is that they use it as a savings account throughout the year so that they can spend it all on something in the spring (as opposed to reducing withholdings to aim for $0 owed). I'd bet it's a minority that actually puts the refund itself into a savings account.
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Aiming for $0 has always been the goal. Unfortunately, as you said, most people don't understand that.