Originally Posted by JimN
While I can understand someone using a large refund as a kind of saving plan, it's not great money management WRT making enough to live on, IMO. They could have changed their exemption to allow getting the money through the year to use and making sure they maximize their deductions to ensure that they won't have to pay at tax time.
Agree, but I think you are over assuming the ability / comprehension of many. Another place we have failed to educate or others have failed to become involved themselves vs relying on others --> the concept isn't hard and involves very simple math, yet I'm sure many would give you a deer in the headlights face if you tried to explain....