Most articles that I read and financial writers that I respect claim that it’s not good to get a tax refund. The general consensus is that you wouldn’t want to give an interest free loan to the government. After all, the government already has tons of money. Why would it need more of yours? And I completely see their point. In a perfect world, I would use the money that I could have gotten as a tax refund every single month. Instead of getting $1,200 back from the IRS, I would take $100 extra per month and use it to pay down my debt, invest, or save for a big…