Dave Says: Keep Your Money in Your Own Pocket

 

Reader Question: I just filed taxes, and it looks like I’ll get a pretty big refund this year. A friend of mine told me I should adjust my withholding, so I don’t get a refund. This seems pretty dumb to me. Why would I change my withholdings when I’m getting money back?

The only reason you’re getting a refund is because you had too much taken out of your paychecks in 2017.

Let’s say your refund is $3,500. Basically, you loaned the government $3,500 of your own money, interest-free. A refund isn’t a gift or reward, James. It’s your own cash that you get back because you paid in too much during the previous year. In your case, that adds up to almost $300 a month!

Instead of loaning the government money that you worked hard to earn, wouldn’t it be better to keep it in your pocket?

Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
art
fashion
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
catering
health
Lose weight
outdoors
Reduce weight
science
stretch
training
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
business
fashion
fitness
health
lifestyle
news
Small tools
Street fashion
The recipe
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
industry
invest
markets
medical
Real estate
technique
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
art
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
video
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
catering
health
Lose weight
outdoors
Reduce weight
science
stretch
training
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
business
fashion
fitness
health
lifestyle
news
Small tools
Street fashion
The recipe
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
art
fashion
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
catering
health
Lose weight
outdoors
Reduce weight
science
stretch
training
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
art
fashion
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
catering
health
Lose weight
outdoors
Reduce weight
science
stretch
training
A bad girl
appetite
attitude
movies
rendezvous
sex

business
fashion
fitness
health
lifestyle
news
Small tools
Street fashion
The recipe
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
invest
markets
medical
Motor car
Real estate
technique
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
art
fashion
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
catering
health
Lose weight
outdoors
Reduce weight
science
stretch
training
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
business
fashion
fitness
health
lifestyle
news
Small tools
Street fashion
The recipe
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
art
fashion
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
catering
health
Lose weight
outdoors
Reduce weight
science
stretch
training
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
art
fashion
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
catering
health
Lose weight
outdoors
Reduce weight
science
stretch
training
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
business
fashion
fitness
health
lifestyle
news
Small tools
Street fashion
The recipe
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
industry
invest
markets
medical
Real estate
technique
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
Fashion show
Small tools
A bad girl
appetite
attitude
rendezvous
catering
catering
Reduce weight
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
art
fashion
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
catering
health
Lose weight
outdoors
Reduce weight
science
stretch
training
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
business
fashion
fitness
health
lifestyle
news
Small tools
Street fashion
The recipe
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
industry
markets
medical
Motor car
Real estate
technique
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
art
fashion
health
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
art
fashion
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
catering
health
Lose weight
outdoors
Reduce weight
science
stretch
training
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
business
fashion
fitness
health
lifestyle
news
Small tools
Street fashion
The recipe
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
art
fashion
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
Fitness equipment
Nutritious food
The recipe
markets
Motor car
Real estate
Motor car
Science and technology
Street fashion
Big data
Fashion show
Small tools
The recipe
A bad girl
catering
health
outdoors
Reduce weight
science
stretch
training
Street fashion
The recipe
Fitness equipment
Nutritious food
Classic cars
Classic cars
Fashion magazine
Fashion show
Female models
health
Small tools
The recipe
Motor car
Science and technology
Lose weight
Reduce weight
A bad girl
Small tools
Street fashion
The recipe
Motor car
Real estate
Fitness equipment
Nutritious food
The recipe
hygiene
industry
invest
markets
medical
Real estate
technique
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
art
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
video
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
catering
health
Lose weight
outdoors
Reduce weight
science
stretch
training
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
business
fashion
fitness
health
lifestyle
news
Small tools
Street fashion
The recipe
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
Reduce weight
Street fashion
health
The recipe
Fitness equipment
Nutritious food
Classic cars
Classic cars
Fashion magazine
Small tools
The recipe
Motor car
Science and technology
Lose weight
Reduce weight
A bad girl
catering
outdoors
Reduce weight
science
stretch
training
Street fashion
The recipe
Fitness equipment
Nutritious food
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
catering
health
Lose weight
outdoors
Reduce weight
science
stretch
training
A bad girl
appetite
attitude
movies
rendezvous
sex

business
fashion
fitness
health
lifestyle
news
Small tools
Street fashion
The recipe
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
animation
car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine news
sports
Street fashion
travel
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
invest
markets
medical
Motor car
Real estate
technique
animation
car
games
Motor car
movies
music
news Science and technology
tutorial
business
Street fashion
Big data
Fashion show
Small tools
The recipe
A bad girl
Reduce weight
Street fashion
The recipe
Fitness equipment
Nutritious food
Classic cars
Classic cars
technique
transact
Fashion magazine
Fashion show
Female models
Small tools
The recipe
Motor car
Science and technology
Lose weight
Reduce weight
A bad girl
Small tools
Street fashion
The recipe
Motor car
Real estate Fitness equipment
Nutritious food
The recipe
Motor car
Real estate
Motor car
Science and technology
Street fashion
Big data
Fashion show
Small tools The recipe
A bad girl
Reduce weight
Street fashion
art
fashion
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
fitness
nutrition
Nutritious food routine
training
video
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
Motor car
Science and technology
Lose weight
Reduce weight
A bad girl
Reduce weight
business
cookbook
fashion
fitness
magazine
news
sports
Street fashion
travel
The recipe
Fitness equipment
Nutritious food
Classic cars
Classic cars
Fashion magazine
Fashion show
Female models
Small tools
The recipe
Motor car
Science and technology
Lose weight
Reduce weight A bad girl
Small tools
Street fashion
The recipe
Motor car
Real estate
Fitness equipment
Nutritious food
The recipe
Real estate
Motor car
Science and technology
tutorial
Street fashion
Big data
Fashion show
Small tools
A bad girl
appetite
attitude
rendezvous
catering
catering
Reduce weight
training
business
cookbook
fashion
fitness
magazine
news
sports
Street fashion
travel
art
fashion
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
catering
health
Lose weight
outdoors
Reduce weight
science
stretch
training
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
business
fashion
fitness
health
lifestyle
news
Small tools
Street fashion
The recipe
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
industry
markets
medical
Motor car
Real estate
technique
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
hygiene
markets
medical
Motor car
Real estate
animation
Motor car
Science and technology
tutorial
Street fashion
Big data
Fashion show
Small tools
The recipe
A bad girl
Reduce weight
Street fashion
Fitness equipment
Nutritious food
Classic cars
Classic cars
Fashion magazine
Fashion show
Female models
Small tools
The recipe
Motor car
Science and technology
catering
health
Lose weight
outdoors
Reduce weight
science
stretch
training
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
business
fashion
fitness health
lifestyle
news
Small tools
Street fashion
The recipe
travel
Motor car
Real estate
Fitness equipment
Nutritious food
hygiene
Motor car
Real estate
Motor car
Science and technology
Street fashion
Big data
Fashion show
Small tools
The recipe
A bad girl < Reduce weight
Street fashion
Fitness equipment
fitness
nutrition
Nutritious food
routine
training
video
Yoga
art
fashion
health
music
photography
sports
The recipe
tourism
travel
hygiene
industry
invest
markets
medical
Motor car
Real estate
technique
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
Big data
business
Fashion show
fitness
health
lifestyle
Small tools
The recipe
A bad girl
appetite
attitude
movies
rendezvous
sex
toys
catering
health
outdoors
Reduce weight
science
stretch
training
business
cookbook
fashion
fitness
health
magazine
news
sports
Street fashion
travel
art
fashion
health
music
photography
sports
The recipe
tourism
travel
Fitness equipment
routine
training
video
Yoga
Classic cars
evaluation
technique
transact
Classic cars
technique
transact
business
Fashion magazine
Fashion show
Female models
fitness
health
lifestyle
Small tools
The recipe
travel
animation
car
games
Motor car
movies
music
news
Science and technology
tutorial
Dave Ramsey

Dave is the author of The New York Times best-selling book Financial Peace. He is also the host of the nationally syndicated The Dave Ramsey Show, and is a regular guest on television. All of his financial counseling is based on biblical truths. You can hear Dave from 9 a.m. to 11 a.m., weekdays online at www.daveramsey.com. Send your questions toaskdave@daveramsey.com. He resides with his wife Sharon and their three children, Denise, Rachel, and Daniel, in Nashville, Tennessee.

Advertise