Answer:
You've given Uncle Sam an interest-free loan of your money for a full year. ... If you had received your expected refund incrementally as part of your pay, you could have used it to pay bills, start an emergency fund or save for something special.You are at the mercy of the IRS, which already is at the mercy of a frequently late-acting Congress when it comes to tax laws. If Congress and the IRS are slow, then so is your receipt of your refund.
