Definitely agree. Like others have commented here, you should be trying to minimize your return as much as possible. The point of the article was that people

Definitely agree. Like others have commented here, you should be trying to minimize your return as much as possible. The point of the article was that people are waiting for their large refunds and are deferring health care until they get those refunds. My point is that many of those people won't actually be getting a return and won't be able to afford the health care that they need.