this post was submitted on 10 Oct 2025
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Plus it helps people like me that are terrible at saving money. I purposefully asked my work to take extra taxes off my cheques so that I can get a slightly bigger tax refund.
I’m glad that works for you. For others with similar struggles, they treat the tax refund as a windfall and spend it on something they don’t need instead of putting it into their savings.
This is known as the mental accounting bias.