I am a financial planner and can not get it through my clients head. A tax return is nothing but their money that the government held all year. Why do people still insist on a refund.
Lets put this as simple as possible. If you are not writing a check on April 15th then you messed up!!!!! ( I have a few clients that have changed - one actually last year came $20 from owing a penalty- my hero).
Op ask your tax lady how to change your with holdings to the correct amount. Then bank the difference every paycheck. At the end of the year you will have your refund PLUS interest BEFORE you do your taxes.
If your not livin now, then when?