On Sun, 18 Apr 2021 02:15:36 -0500, Jim Joyce
wrote:

You sound like the folks described above who are unable to manage their
money. That "good sized check" is costing you.

OK let's see how much it is costing me. Say I got $5000 back and it
was put in there evenly over a year. I put this in my financial
calculator using $416.67 a month for 12 months at .25%. (what my bank
pays) I lost a whopping $5.77.
That is pretty cheap insurance against having a windfall towards the
end of the year that blew out my withholding and got me stuck in
paying quarterlies or worse, some kind of penalty.
Said another way that is a Mocha Venti Frappachino starbucks.
I can afford it. I have plenty of cash on hand.