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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.