### Comment:
It doesn’t really matter that you’d pay the same taxes with a larger bill at the end of the year, unless you’re living paycheck to paycheck and any extra money you’d spend and be left with nothing at the end of the year to pay taxes with. How people get excited and blow the money they get back would suggest that they are in this situation and it’s their fault.

### REPLY:
I agree I hate all the marketing surrounding tax returns, encouraging people to go on vacation or some shit with it. While it’s probably smart not to plan on it in your budget people act like it’s some out of the blue surprise gift from heaven and try to get it out of their bank accounts ASAP.

### END.