Smart Tax Refund StrategiesIn this episode of How to Lower Your Tax Bill, host Terrence Hutchins and guest T’mia Kelly debunk tax refund myths and explain why a big refund isn’t always a win. Learn how to adjust your withholdings and keep more of your money year-round.Key Takeaways:Why Tax Refunds Feel Good: The psychology behind refunds.How Refunds Work: Withholdings, deductions, and credits explained.Optimizing Your W-4: Adjust withholdings to avoid overpaying taxes.Side Hustle Tax Planning: Track income and expenses to prevent surprises.The Time Value of Money: Why keeping your money upfront is smarter.Featured Tax Insight:The Time Value of Money: Why a dollar today is worth more than a dollar in the future and how it applies to your tax refund.For more tax-saving insights, subscribe to How to Lower Your Tax Bill on Spotify or Apple Podcasts. Have questions? Email [email protected], and we’ll answer them in a future episode. Keep more of what you earn!

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