Americans Are Delaying Health Care Until Tax Refunds Arrive
Withholding is an awful idea designed to favor the government over the taxpayer and to psychologically soften the blow of the ridiculous tax rates we pay.  It's especially bad with mandatory withholding by the employer.  It shouldn't happen.  Taxpayers ought to figure out how much they owe and write the check for it at once.  This is especially true since consumers can't invest that income or get interest on it: I could get a 6-month CD and make some extra money otherwise.