['I thought I was going to get a tax refund this year.', "Yeah, that's always fun! Did you get a lot of money back?", "I didn't get any, but luckily I didn't owe either.  I think it is the first time I have seen a zero after I had done my taxes."]
That's no fun. I once had to pay in about a $1000 so count yourself lucky!
I thought I was going to get a tax refund this year.