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Your tax refund, in most cases, isn't free money. You simply paid too much taxes throughout the year and the government is paying you back. TLDR: You gave the government an interest free loan. There can be multiple reasons for this. A common reason for overpaying taxes is an improperly filled out W-4 form. Ideally you want your tax return to be as close to $0 as possible (generally speaking). More money in your pocket NOW means you can invest NOW, you can pay off debt NOW, etc. #personalfinance
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