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Check. adjust the wi w-4. santa claus doesn t live in washington. it wasn t just magically sent to you. it s because you had too much taken from the check in the first place. it s refund. you over-funded it. quit loaning to the money to the irs and get it back in april and think santa claus did you a favor. he doesn t live in d.c.. neil: adjust deductions and that sort of thing. a lot of people plan for that. you re right. it s really an interest free loan to the government in that respect. what do you advise they do going forward? those who say savings for me and that s why i do it. just run to the credit union or call the mutual fund broker and have it deducted from your checking account. that s a savings plan, too. it s a good idea to set up things that trick you to saving but not good to trick you in saving and then you ....

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