I am fortunate. I am able to save a nice chunk of money every month. The other way I save is paying too much taxes and I get a refund of $7,000 each year. My wife is a procrastinator but she takes care of our budget as well. We have not filed 19 and 20 taxes. That would mean we would get back $14,000 in refunds. I know some people will describe better ways to the refunds. I don't care. We are saving for a down payment on a house.
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