[wayner123]

Just for a point of reference, Florida has no State tax.

Also, if you have an emergency in September as your example above, you have 2 options. One, you can keep that large amount in a liquid account and use it when needed. Two, is to put it on credit, then pay off when the return comes in.

I agree wholeheartedly on the fact that many people need to learn fiscal resposibilty, but is that best learned through receiving that amount throughout the year vs a lump sum? Maybe, maybe not.