01/08/2026
Tax Tip #2
A huge tax refund feels good — but let’s be clear about what it really is.
It’s an interest-free loan to the government that you gave all year.
What wealthy individuals actually do is different:
They adjust their W-4, plan with their accountant or tax preparer, and make intentional financial decisions throughout the year — not just at filing time.
When I work with clients, my sweet spot is simple:
👉 Plus or minus $500.
Anything way above or below that means we need to make adjustments — because money should be working for you, not sitting with the IRS.
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Mjenzi Consulting | Tax & Business Advisory