text: Hello !!! ...
  
  If you don't want to make an interest-free loan to the government every pay period... Change your withholding!
  
  If you want to make income that the government doesn't know about buy a laundromat.
  
  For most of the paycheck to paycheck crowd that tax refund is the only saving they do and then when they get it at the end of the year they blow it like a sailor on leave