And typically lower-paid people have higher deductions on their taxes (versus withholdings) and usually get the larger refunds. So much so that they basically d

And typically lower-paid people have higher deductions on their taxes (versus withholdings) and usually get the larger refunds. So much so that they basically depend on it. That's why everyone is in such shock right now. Meanwhile, I've never been one to get a large refund at tax time. And I've always planned for my big annual expenses upfront (sometimes using an automatic bank account transfer to "incrementally save" for them).