system
Given the following post, respond as if you're commenting on Reddit:
human
CMV: Getting a tax refund is not a good thing and people should file their taxes differently if they are receiving gigantic returns

In my opinion, getting a tax refund just means you gave the government an interest free loan. People are always saying "Oh I got $4k in taxes how great is that" but in actuality you could have had an extra $75 each paycheck if you are paid weekly, thats approx $300 a month lost to overpaying the government. 

Even if you didn;t need an additional $300 a month, you could have invested that money in literally any other way and you would get more return on it, resulting in more overall money. 

I file my taxes in a way that I owe about $100-$200 this way Im the one getting the loan.  Am I the crazy one here?
gpt
The kind of financially illiterate people that do this instead of some kind of actual savings account face considerable *risks* using your approach, though...

Because messing incorrectly with your W-4 form is one of them more common ways people get hit with audits and fines... because it's one of the more common forms of *tax fraud* as well.

So yeah, ideally... but if you're just going to put it in savings anyway, or invest it *safely*, it's not really much of a difference, because rates of return are historically poor the last couple of decades (and not looking to head higher soon). 

So as a way to "save up for a night on the town" or something, it's really not that bad a choice. Perfect? No, but easy and safe.