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Unfortunately for too many people their excess tax withholdings are their only saving plan.

If your IRS refund is your only form of saving, then spending it on a MacBook Pro takes you to a whole new level of bad decision making.

Unfortunately it also makes you a fairly typical American.

It is baffling how many people treat a tax return like it's found money, when in reality it's the end result of you losing money. People think "oh sweet I can buy a laptop" rather than "oh crap I lost a bunch due to inflation and missed interest".

Sometimes I wish I knew less about math, I would probably be happier.

I'm sure Apple would be thrilled if all of the typical Americans bought MacBook Pros.

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