When you lack the self-control to save, over-withholding + refund becomes an ersatz year-long savings account. It's terrible, lacking any interest at all, but w

When you lack the self-control to save, over-withholding + refund becomes an ersatz year-long savings account. It's terrible, lacking any interest at all, but when it's all you've got, breaking open the piggy bank to get your money back feels good even if it doesn't make financial sense.