<prompt> Human: I set my withholding lower than I need to, so I can get a bigger tax refund. I know the old saying youre just giving the government a tax free loan, but with interest rates so low, the interest I would have made on the refund is practically negligible. Plus its fun getting a 3000 refund.And the other thing is that most people probably arent saving away that extra 100paycheck. This way, I get a big lump sum which I actually do put into savings.  <response>: Its like the epitome of a nanny state: Please take more of my money so I wont irresponsibly spend it. 