Quote:
Originally Posted by irmanator
I don't want to re adjust my tax witholding right now, as in this year. When I get my big refund my daughter will be getting much needed braces. I don't want to do that on credit.
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If you adjust your witholding, rather than getting that "big refund", you get more money in your paycheck every week that you can save up in an interest-bearing account for things like braces. Instead, you are choosing to let the government hold your money all year and pay you zero interest in return. Nobody said anything about buying on credit. Without the tax refund, you actually have more money, not less.