Still beats a refund the way I see it, because the money’s worth more in my paycheck and I could invest it, there’s been many years where I’ve had to pay in. A buddy received a refund of over $10k, he could have spent it while it was worth more or invested it. Instead, he gave an interest free loan back to you-know-who. He’s a saver and the refund wasn’t crucial for living expenses, but he’s using the $ for a vacation fund.