Offensive? No, not at all. Just irritating. Especially when one of those threads gets a new post after sitting dormant for a period and you pop in a second time.; or third, or fourth....rinse and repeat.
Wouldn't be as bad if we could ignore entire threads. Honestly that would be useful in...
So how would someone pay for either of the above while waiting for their next refund? Or do these events conveniently only happen the week the refund check shows up?
To be clear...not trying to get you to change your mind. Not my place to do so. Just healthy debate.
Take the extra you'd have each month from not overpaying the government and save it; even better...invest it. If you can afford to not have it while letting the government hold it for you then you can afford to not have it while letting it work for you in investments.
I've never understood the idea of looking forward to a refund. Getting money back just means you gave the government (state or federal) a free loan. I'd rather pay them when I file than have them refund MY MONEY. I can do better things with that money all year long that actually benefits me.