Defer Your Bonus: What is this "bonus" you speak of? We're lucky just have a damned job today, and most of the people I know are either grateful (and then exploited) or are wishing they could find a job.
Know Your Deadlines: Oh, we got this covered because most of us who get refunds know exactly when we can file - as soon as we get our W2 from our employer, and we are all praying it comes as early as possible in January. We then run to the first HR Block or Jackson Hewitt office we can find, and let them soak us for a "rapid refund" so we can pay the rent and catch up on the bills we avoided paying in December in order to give our kids and families a Christmas.
Donate to Charity: "Donate?" That's where we shop.
Max out Retirement Savings: We try, but no matter how many lottery tickets we buy, we haven't gotten that "big winner" yet.
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