People Wait On Tax Season For Other People's Money:
I was a tax assistance officer in the Army. I was a tax preparer in California. You have to go through the IRS Tax Preparer Class to do it. I was legally able to help people profit from the tax system.
There should be no TAX RETURN. The Government should not take more of your money during the year to have you 'reconcile' by April 15th for the previous year. People shouldn't profit from the tax system and get money from other people for their kids in the form of Child Tax Credits. Their money is not your money. That is not the purpose or the intention of the tax code.
The Great Tax Swindle: Why Your Refund Means the Government Wins and You Lose
By a Former Army Tax Assistance Officer
There is a peculiar ritual that plays out across America every spring. Millions of citizens eagerly file their tax returns, hoping for that one specific outcome: a refund. They wait with bated breath for the government to send them a check, often celebrating it as if they’ve won a prize. Having served as a tax assistance officer in the Army and worked as a tax preparer in California roles that required me to pass the IRS Tax Preparer Class I can tell you with confidence that this entire system is backwards. The refund you’re celebrating was never a gift. It was always your money. The government merely held it for months, interest-free, while you struggled to pay bills, save for a home, or cover everyday expenses.
The problem runs far deeper than the annual refund ritual. The very existence of a tax “return” signals a fundamentally broken relationship between citizens and their government. There should be no tax return. The government should not confiscate more of your hard-earned money than necessary throughout the year, only to force you into an April 15th reconciliation that feels more like an audit of your life than a simple accounting exercise.
The War-Time Creation You Were Never Meant to Keep
Most Americans don’t realize that the withholding system the mechanism that takes money from every paycheck before you ever see it is not some eternal feature of the republic. It is a wartime measure that never died. Before 1943, Americans paid their taxes in quarterly installments, much like freelancers and small business owners do today. They saw their full earnings, managed their own money, and wrote checks to the government.
World War II changed everything. The government needed vast sums quickly, and rather than trust citizens to pay what they owed, they invented a system that takes the money first and asks questions later . Here’s the bitter irony that every conservative should appreciate: the modern withholding system was developed in part by Milton Friedman, the free-market legend who would later regret his role in creating what he called “machinery that would make possible a government that I would come to criticize severely as too large, too intrusive, too destructive of freedom”.
Friedman understood something that remains true today: when the government takes your money before you receive it, you barely notice the loss. The pain of taxation is hidden. You never possess what was rightfully yours, so you never feel the violation of having it taken. As one economist observed, this system is like casino chips it separates people from their actual money through a psychological barrier. The government accomplished what casino owners mastered long ago: making the loss feel less real.
The Interest-Free Loan You’re Forced to Make
Let’s talk about what your tax refund actually represents. When you receive a refund, you are getting back money that you overpaid throughout the year. The average refund often runs close to $3,000. That means the average American is lending the federal government $3,000 annually with zero interest.
Think about what you could do with an extra $250 each month. You could pay down credit card debt, which carries interest rates that would make a loan shark blush. You could contribute to a 401(k) and watch that money grow through the magic of compound interest. You could save for your child’s education, make home repairs, or simply have breathing room in your monthly budget.
Instead, millions of Americans treat this forced savings plan as a windfall. They spend their refunds on televisions, vacations, or other discretionary purchases, never realizing that they’ve effectively given the government an interest-free loan while often carrying high-interest debt themselves . Financial advisors across the political spectrum agree: a large refund is a sign of poor tax planning.
The Child Tax Credit: Your Money or Their Entitlement?
Now we arrive at an even more troubling aspect of the current system. The author’s original statement cuts to the heart of the matter: “People shouldn't profit from the tax system and get money from other people for their kids in the form of Child Tax Credits. Their money is not your money. That is not the purpose or the intention of the tax code.”
This deserves careful consideration. The Child Tax Credit was originally designed to provide relief to working families to ensure that raising children didn’t push middle-class families into financial distress. But over time, particularly with the 2021 expansion pushed by Democrats, the credit transformed into something else entirely. Under that expansion, families received monthly payments regardless of whether they paid any income tax at all. The credit became refundable, meaning that even those with zero tax liability could receive checks from the government.
From a conservative perspective, this represents a fundamental perversion of the tax code. The purpose of taxation is to raise revenue for legitimate constitutional functions of government, not to redistribute income through the IRS. When the Child Tax Credit becomes a welfare program administered through the tax system, it blurs the distinction between taxpayers and tax recipients. Your neighbor receiving a check for children they chose to have is not paying taxes they are receiving them .
The current political debate illustrates this tension perfectly. Recent Republican proposals would increase the credit to $2,500 per child, but policy experts note that the lowest-earning families may still be excluded. Meanwhile, Democrats push for expansions that would send monthly checks to millions who pay no income tax whatsoever. The question conservatives must ask is simple: at what point does tax relief become welfare? And should the tax code be in the business of writing checks to people who fund none of the government’s operations?
The Transparency We’ve Lost
Perhaps the greatest damage wrought by the withholding system is the destruction of fiscal transparency. When you write a check for a significant expense a car, a refrigerator, even a dinner out you feel the cost. You weigh whether the purchase is worth the money. You make conscious decisions about value.
But when taxes are silently extracted from every paycheck, that calculation disappears. You never see the full $60,000 you earned; you see the $45,000 that remains after federal, state, Social Security, and Medicare taxes vanish into the ether . The cost of government becomes invisible, and an invisible cost is a cost that faces no political resistance.
The pre-1943 system had a virtue that modern taxpayers cannot appreciate: accountability. When people paid their taxes in quarterly installments, they knew exactly what government cost them. They could compare the services received against the dollars paid. They could demand better performance from their representatives.
Today, that accountability is gone. The government takes its cut before you ever possess your earnings, and by the time April arrives, you’re simply reconciling accounts. The political class loves this arrangement. As the Treasury Department once frankly admitted, withholding “greatly reduced the taxpayer’s awareness of the amount of tax being collected” and “made it easier to raise taxes in the future”.
A Better Way: End Withholding, Restore Accountabilit
What would a conservative reform of this system look like? It begins with a simple principle: your money belongs to you. The government has no rightful claim to your earnings until the moment taxes are due.
Imagine a system where every American received their full paycheck. Where families managed their own finances throughout the year. Where quarterly tax payments were made directly to the Treasury, and every citizen saw exactly what their government cost them .
Such a system would transform American politics overnight. People who currently celebrate their refunds would suddenly face the real cost of government. They would ask harder questions about where their money goes. They would demand better value for their tax dollars. And they would think twice before supporting politicians who promise new programs funded by other people’s money
Critics will argue that Americans cannot be trusted to save for their tax bills. But this argument is fundamentally paternalistic. It assumes that citizens are incapable of managing their own affairs and must be protected from themselves by a benevolent government. This is the same logic that justifies every expansion of state power, and conservatives should reject it outright.
The tax code should not be a tool for social engineering, wealth redistribution, or forced savings plans. It should raise necessary revenue for limited government functions—and nothing more. That means ending the withholding system that hides the true cost of government. It means ensuring that credits and deductions serve to reduce tax burdens for those who actually pay taxes, not to write checks to those who don’t. And it means treating Americans like the responsible adults they are, capable of managing their own money without government supervision.
As someone who has worked inside the tax system, I can tell you that the current arrangement benefits only one party: the government. It’s time we took back what belongs to us not just our money, but our dignity as citizens who deserve to know exactly what we’re paying for the privilege of being governed.
#Taxes #IRS