A lot of people seem to treat tax refunds like free money, but in reality, it’s just the government returning your own money after a year-long, interest-free loan.
As we enter 2026, with inflation still a factor and high-yield savings accounts actually yielding something, withholding too much on your paychecks is costing you money. If you’d rather have extra cash in your monthly paycheck to crush debt or invest, it’s time to stop overpaying Uncle Sam and take control of your Form W-4.
