Quote Originally Posted by TsPoet View Post
I think that means you are doing it right. Tax refunds mean you've been letting the gov't hold onto your money.
Yeah, this.

We are getting a huge refund because we opted to pay extra each paycheck to cover the fact that we've owed every year since we got married. We just opted to pay TOO much. The good part is that now we know that we can live with thousands less without too much pain, but the bad part is that the government got to earn interest on that money, we didn't. It was a stupid mistake.

I'd be much happier breaking even every year like I used to when I was single.