<prompt> Human: I know you are essentially loaning the government your money, but isnt it smarter to learn to live on your smaller net income and treat the tax return youll get back as a windfall for a trip or to put toward your savings or something?  <response>: You can just put the extra in your savings automatically each pay period, and live on the smaller amount, if thats your goal.You keep the nominal interest, but enjoy a bigger savings cushion if you need it. 