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I’m not sure what you’re talking about.

I know plenty of people who do not want their tax return to be close to zero. They like getting a big refund check back. This is the kind of person being described in the comment I replied to.

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There's a whole cottage industry painting refunds and spending them as a windfall and a good thing.

I have seen some people on reddit admit that they are bad at managing finances month to month and would rather have that big refund come back that they can use to pay off debt or something. I know it sounds counter intuitive, but whatever works for individuals man.

I doubt the cottage industry is focused on debt reduction. That said, forced savings techniques can certainly make a lot of sense even if they're financially suboptimal.

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