That refund isn’t a bonus. It’s your money coming back.

Morgan broke it down. When you get a big refund, it usually means you gave the government more than you needed to throughout the year and let them hold it.
Some people use that as a forced savings plan.

They like getting a lump sum back.
But the tradeoff is you lose control of that money all year.

Morgan challenged that way of thinking. Cash flow matters. Life happens. Repairs, emergencies, things you didn’t plan for.

Having access to your money throughout the year gives you flexibility when you actually need it.