Thats the way I see it. I put my own money away for savings. I have THREE different retirement funds (two separate 403b funds and my own mutual funds). I like getting my own money back from the Gov, because all at onces and if I have any CC debs that I need to pay off or any mods I want to do on the car is DONE.
The reason why I over pay the taxes is because living in NY is expensive. Specially if you own a house.

