Unfortunately, I can t predict my income nor the changes in the tax code with complete accuracy. If we owe more, my wife will pout for weeks. So long as taxes come out of the paycheck, they become a given that somehow seems painless to some folks. Others, like me, consider what their take home could be if it weren t for taxes.
Many people lack the fiscal discipline to save money.
Many forms of commercial enterprise take advantage of this tendency. Electronic filing services will give you cash now, which is your refund signed over to the service less their processing fee. Some people are so blissfully happy in this ignorant approach to refunds, I ve decided to capitalize on it and enable people to enjoy more refunds. Most refund-lovers crave convenience. The taxes they love to get back in the form of a refund check are withheld from their paychecks.