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It Is Not Free Money, Jack. This Is A Common Misconception People Have. That Is Simply Your Money Taken Away From You And Then Returned. Think Of What You Could Have Done With That Money During The Year. A Wise Man WIll Take His Money, Stolen From Him Earlier, And Invest.
They witheld 389 federal last year based on the way I got w-2 wages. With child tax credits and other assorted income deductions (because I report all income, I deduct all expenses,) with eic I got the 389 back and an additional 2800 in "earned Income Credit", if I "loaned" them 389, they repaid me 700% interest in the year on it. No better investment, actually on 400.