<prompt> Human: After being garnished twelve hundred dollars a month foe a year and some months I am finally done paying the IRS off. I wasnt due to finish so early but they took the refund I would get this year and applied it to the balance owed. There is an extra six hundred dollars a paycheck and I am at the and of a road that I though would not end.  <response>: If possible, you could continue putting that 1200mo away into some sort of savings. Youre probably already adapted to not having it. 