This year I am expecting a check from the IRS totalling $10,352.43. Like many misguided individuals, I've always seen this voluntary tax method as a "forced savings". I give the US government a 0% loan for many many years now.
It would be so easy to simply change my witholdings, and automate the difference to an interest bearing savings account at Emigrant Direct. Instead I will continue to loan the government my hard earned money interest free.
Perhaps when I've reached personal finance nirvana, I will make this intellingent shift. I certainly encourage you to make the shift.
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