Dave Ramsey

We're talking a handful of months.

No, no, no.

There's no such thing as a good tax return.

A tax return is when you overpay your taxes and they give you the money back with no interest.

That's not good.

How big was the tax return?

What's your household income?

How in the world do you end up with a $10,000 tax return on a $50,000 income?

Okay, stop.

Number one, you need to get your crap together, and you do need to know.

Someone else taking care of your taxes is how you end up not paying the proper amount of taxes.

And you have no idea what's going on.

I don't mind having someone prepare my taxes.

Someone does my taxes.

But I'm going to understand how my tax bill works and why.

And you need to understand this.

Because if you have $10,000 too much coming out of your check every year, that's $833 a month that should be in your check this next month because you should change your W-4s.

So that you quit over withholding out your ears.

And that will help you clean up the $6,000.

No, honey, you should not go to Europe until you pay your $6,000.