Re: tax refunds
Or if you get a big refund every year, adjust your withholding so that you get the money all year instead of Uncle Sam. Then take the same amount of money you are now getting "extra" in your paycheck and have it directly deposited into a savings vehicle of some kind. That way you are still living on the same amount of money every payday, but at the end of the year you have your "refund" right away plus the interest that you earned.
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