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Thanks for all your responses!

I didn't mean to stir a hornet's nest.

I see a few hundred in a refund is peanuts compared to some of the refunds I see mentioned in this thread. I'm not going to sweat it. 8)

I also don't believe the IRS is the best place for "forced savings", preferring 403(b) deductions, automated savings (for funding the Roth, among other things) and automated investments, along with developing a mindset that such non-sheltered savings and investments are not to be touched except under very severe circumstances.

Now, I do make loans to the federal government, but for the loans (except for a few hundred dollars of the tax refund) I collect interest, e.g., loans in the form of Savings Bonds and indirectly in a bond fund that has about a third of its assets in Treasuries. (No, that isn't all that I invest in, but that is all that I currently collect rent for the federal government renting my money.)
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