re: Why are people excited about a tax refund?

I usually underpay and just eat the penalties. It's hard to know what were going to owe from year to year since my wife is a business owner, and it depends on what equipment she purchased, if she did any work at the store, etc. We generally will oversave, but I keep it in a savings acct and Uncle Sam gets is on 4/15. If we over save, it's like getting a refund, but without waiting for the check to come in the mail.