re: #253 dangerman-call me sandy, not a drink named Steve

right or wrong (and it’s only somewhat wrong sometimes) this is how people measure their tax bite - especially when it’s been predictable (for them) since say, 1986

(how many of you remember the ‘86 bill?)

It might be wrong, but it’s the only way some people save. It’s the exact reason Social Security was invented, because most people - and I include myself in that - our lousy at planning that far in the future. A $500 refund sounds like a whole lot more than putting $20/paycheck away, and since you can’t get to it, you can’t to that extra $20 when your kid needs money for his field trip.