Oh yes, that's another fun one! Your yearly tax return should be as close to 0 as possible, otherwise you're either over- or under-withholding. Then again, I met some people that use it as a kind of piggy bank because they wouldn't be disciplined enough to save up for bigger purchases otherwise and... well, I can't even, but if it works for them, there are worse things to spend money on.

Try convincing a tech person that the shares they get as compensation from their employer are equal to getting money and buying those shares at the time they get them. I also think tech workers tend to over-estimate what "average person" really is because they mostly know "above average people".

That's not how the Earned Income Tax Credit works....

(Not from the US) Why is it a good thing to lend for free to the US gov ? Because the regional banks aren’t that stable ?

I never understood why people think that giving an interest free loan to our government is a bad thing.

The average person is a financial train wreck of dumpster fires.