> It's like when people get excited about tax refunds from the IRS. Super exciting, until you realize it was excess money taken from you to begin with. Not the

> It's like when people get excited about tax refunds from the IRS. Super exciting, until you realize it was excess money taken from you to begin with. Not the best analogy. You can't necessarily know ahead of time exactly what your tax burden is and you define the withholdings to give to the IRS. You could specify no withholdings and have a big tax bill each year or be too aggressive and get a refund, or somewhere in between. Most people over estimate their obligation because it's easier to overpay than to come up with a large sum every year, especially when living paycheck to paycheck.