Great if it works out perfectly for you. For me, the sweet spot is insuring our government does not have one cent of my money any sooner, or longer, than absolutely necessary. Over the past four decades, I have found the returns from my own investments of "tax money" that will be owed to the Treasury far exceed the penalty paid for not having sufficient funds withheld from paychecks, retirement income, etc. But, I do recognize everyones' circumstances are not the same, and I am very happy you got two new wetsuits and other dive goodies with your tax refund.