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TyrconnellFL t1_j6k8mxx wrote

It’s not optimal, but it’s okay.

I think it’s easy to have extra cash-strapped stress during the year because of having that money locked up in future refund. If there is no stress, it’s relatively unlikely that the “windfall” of the refund will be a meaningful difference. If you enjoy the gift to yourself later, sure, enjoy it.

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ProudNativeTexan OP t1_j6kar8f wrote

We are finally in a position where we don't stress about finances. We aren't wealthy but we can pay our bills and have a little money left over.

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