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Video instructions and help with filling out and completing irs interest rates individuals
Music hi I'm AJ with AJ mobile money I really appreciate you taking the time out of your day to watch this video if you're not currently a subscriber go ahead and click that subscribe button go ahead and click that like button because you're gonna like the video and also hit that notification bell so you'll be notified the next time I make a video now the number one way to spend your tax refund is to actually spend it throughout the year don't get a refund that's the number one way to spend your refund avoid the refund and spin it throughout the year so like I mentioned at the beginning of the video when you're getting a tax refund that means that throughout the year every time you got paid you paid more in taxes than you need it to and that amount accumulated the government held on to it and now they're saying oh you know we really appreciate you paying more taxes than you should have paid here's the refund for the amount over the to paid here you go you loaned it to us the government you gave the government and zero percent interest loan so any money that you spend over in the amount of taxes that you paid you're not gonna make any interest off of that money now if you were to go to a bank right now and you needed to get a loan there are very rare circumstances where you're gonna get an interest-free loan and even if you were to get one it's not gonna be through the life of that loan now if they give you a 5 year loan maybe they're like ok the first year we're gonna give you zero interest now they have the expectation that it's gonna take 1 it's gonna take you 5 years or whatever the period is that they give you the total the total period that they give you to pay off the loan they expect you to not pay off that loan within that first year that's the same way that credit cards do they get you to open a card they give you that zero interest for a year or you know they try to get you a do a balance transfer and their expectation is that you're not gonna pay off what you owe but you're not gonna pay off that debt within the time period that you actually have that zero interest but what you're doing when you pay additional taxes is you're giving the government alone and you're telling them it's okay you can hold on to this money until the end of the year and then you know once I filed my taxes you know you can give me that money back that I overpaid you and don't worry about any interest you know this is a interest-free loan that I'm giving to you guys really appreciate you holding on to that