A big refund feels good—but it usually means you overpaid all year.
That money could have:
- Paid business expenses
- Covered taxes gradually
- Earned interest
- Reduced stress
Instead, you gave the government an interest-free loan.
What to do instead:
Review your withholding and estimates every year. The goal is to come close to even—or owe a small amount—not to wait for a big check.
Your money should work for you all year, not sit with the IRS.
