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Originally Posted by Gemini Cricket
Often, I'll overpay my taxes by 20 bucks or so each month to insure a refund. Then when it goes in, Ralphie and I aren't allowed to touch it. If we must, we do... but we have to replace it over the course of a couple of paychecks.
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Why give the government a free loan? If you are disciplined enough to replace the money you have taken out of your savings, surely you are discplined enough to put the money in that you would get later for a refund.