Something I heard a while back, in a slightly-edited form:
Q: How do you tell the difference between a rich person and anybody else?
A: The rich person doesn’t brag about getting a tax refund. He knows better than to give the government an interest-free loan for 14 months.
And something that I heard someone else say: “People claim that their tax refund is a forced savings account, when it’s really a delayed spending account.”