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ryjohn429 t1_j52vojj wrote

I have a friend who is constantly broke and trying to figure out how to stretch his groceries until next payday. But every year he gets a $6k tax refund. He can't seem to wrap his head around the fact that he's loaning the government $500/mo, interest free, and has to wait the whole year to get it back. Foolish.

I've set mine up so I pretty much break even every year. Most years I get a small refund, this year I'll probably owe a bit.

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stevewood6 t1_j530k7x wrote

Your friend probably doesn’t apply here if they are that broke. Likely earned income credits etc playing a role and not withholding.

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ryjohn429 t1_j535tuv wrote

He makes the same salary I do at the same job, has the same number of kids and is the same age. He's broke because of a two-pack-a-day smoking habit, a case of beer a night, and lots of other poor decisions.

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