I’m actually quite sick of hearing about this concept, to be honest. I’m tired of people bitching about struggling during the year only to receive a large refund and use it to go on vacation. I’m tired of people bitching that they pay too much in taxes and that they think the tax code the way it currently is written is unfair. I’m tired of it all, especially all of these same people leaving so much of their money in the governments hands by not adjusting their withholding properly in order to only pay the proper amount with each paycheck. Some will justify it by saying that it’s forcing them to save, but the whole concept of “forced savings” is a sham, really. How can you be “saving” if the money is never in your possession? How is it “saving” if you aren’t in control of where it is kept or even have access to it should you need it?