I count on tax refund but analyze: is that smart? Map tax refund: overpaying all year vs. adjusting withholding vs. cash flow. Calculate: interest-free loan to government vs. adjusted withholding vs. monthly cash. Show me the refund reality: refund is my money government held. Give me the truth: adjust withholding instead of giving interest-free loan. Include: whether refund is good strategy, what adjusted withholding would give me, if should change W-4.