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Comment by jameshart | Hacker News Reader

Then pay for it with a credit card that gives you a random amount of cash back, and pay your credit card bill using your tax refund that came as a nice surprise at the end of the year, because you over withheld all year so you don’t actually even know what your real take home pay is supposed to be.

No wonder Americans have no idea how the economy is doing.

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I'm always surprised by people who expect and are excited for their refund. Half the country is pitching about politicians taxation plans when all the while they're volunteering to overpay out of every paycheck.

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.

> people who expect and are excited for their refund.

and then pay % of your refund as a fee to CPA, so they help you maximize your refund.

I know how many guns I have. I know the Feds have more. Therefore give them their pound of flesh before they show up with the myriad of guns.

Even paying cash. Unless the establishment offers a cash discount, you’re paying inflated credit card induced compensatory pricing.

It’s a real shame banks received 2-5% of most transaction for what costs them pennies. Sure, there are benefits, but their ask isn’t covering it.

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